Credit Card — Debt

: Focus on the debt with the highest interest rate (APR) first. This is the most efficient method mathematically, saving you the most money in total interest over time. 3. Debt Relief and Consolidation Options

If self-repayment is not feasible, consider these more formal paths: Credit card debt. What to do if you cannot pay - StepChange credit card debt

Before choosing a strategy, you must define the severity of your debt: : Focus on the debt with the highest