How to Slash Credit Card Costs

To cut credit card costs, consider doing a balance transfer to a zero percent interest card and prioritize paying off the highest APR debt first. Use eligibility calculators to find cards that are likely to accept you. If you cannot afford the minimum monthly payments, have high levels of debt relative to your income, or are struggling with sleepless nights or anxiety over debt, seek help from nonprofit debt counseling agencies. Additionally, explore government schemes like tax-free childcare and the funded childcare program for financial assistance with childcare expenses.