20k in CC Debt, What to Do?
Hello! I got my first credit card a few months ago. I made many impulsive decisions and rode it up.
I pay the monthly minimum payment (~$600) and the balance doesn't move at all. I'm going to start investing $1,000 a month towards this debt payment.
My CC has a 29% APR. I want to move this debt to a low interest payment plan.
What have y'all successfully used? 🥺 Thank you!
If it helps, I'm a governmental employee (municipality).
Posted Sep 23, 2026, 8:30 AM UTC
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