the best way to pay down credit cards is to cut out all of the non-essential spending that you do in a month... cut back your spending to the bone... next take that money and put a portion of it on your credit cards... the rest of that money goes in the bank for saving... emergency funds...

This requires discipline... it's not exactly the most exciting thing to do to cut out restaurants, or buying that special thing each month... it's not exciting to not go on vacations, or to the mall for fun shopping

The key here is to save money and pay down debt... the more debt you pay off the better you'll feel.

The more money you have saved up the better you'll feel. The more money you have saved up, the more choices you'll feel you have...IE.. I have enough money saved up to buy this item if I want it... but I choose not to have it... we often want what we can't have... and feel deprived if we can't have it.

what is the best way to pay off credit card bills?- diy? well, how much do you owe, and what is the status of your account?

jinzapa,
i don't understand your question

do you mean, how do you make payments, or how do you get enough cash to make your payments?

I make payments through my online banking... that's the easiest way. If I didn't have online banking, I would mail in payments.

As far as getting the cash to make payments, work hard, save money, eat your wheaties :)

In a perfect world: Win the lottery, and take it from there...

what is the best way to pay off credit card bills?