12 ways to clear off your credit card debt step 1: write it down. ... step 2: prioritise your payments. ... step 3: make your payment plan. ... step 4: always pay the minimum amount. ... step 5: always pay on time. ... step 6: negotiate with your bank. ... step 7: consider a credit card balance transfer. ... step 8: consider a loan. More items... Dec 29, 2021