After you’ve reviewed your credit card debt, checked your credit reports and talked to your credit card companies, decide which cards you should pay off first. If you pay off the card with the highest interest rate, you’ll lower the total amount you owe over the long-term.

You also could try the “snowball” method, paying off the card with the lowest balance first to give you a psychological win. This could lead to paying more in interest over the long-term if the card with the smallest amount of debt also has the lowest interest rate. To avoid that, you could pay off the highest-interest card first.