This will help you when you are budgeting because you know exactly when the bill is due, rather than having multiple bills that arrive each month, with several due dates. The next step is budgeting. The only way to reduce what you owe is to pay the bill on time, and to pay more than the minimum. You will need to complete a weekly budget in which all of your expenses, your needs and your wants are broken down. We always write down the amounts of our rents, mortgages, phone bills, and student loans, but we forget to include other amounts that we KNOW we will spend.
Examples are gas, movies, food, insurance, clothing, on-line fees and so forth.
When preparing your budget, you want to pay as much over the minimum monthly credit card payment as you can possibly afford. This is far easier to do on a weekly budgeting plan than a monthly plan. This is not true. You can pay as many times a month as you like. When you have written your weekly budget, which includes your weekly credit card payment, mail your check.