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Credit card debt payoff strategies in 2026: avalanche vs snowball vs balance transfer


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For people actively paying down debt right now, what approach worked best for you?

 

I am comparing:

- avalanche method (highest APR first)

- snowball method (smallest balance first)

- balance transfer execution and risks

 

If you are willing, share what changed your payoff speed the most (income boost, expense cuts, refinancing, automation).

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