Debtless
Credit card debt
Statement vs. current balance: which goes in your tracker?
Learn to distinguish statement and current credit-card balances, with a worked example, practical checks, and free debt app guidance.
Money decisions, made clearer.
Credit card debt
Debtless is a 100% free debt payoff app for iPhone. Understand balances, interest and the details that change a card payoff plan. Before moving card debt, compare a balance transfer with a personal loan using the terms you are actually offered. It turns reading like this into a plan, drawing on 442 articles in this library.
Credit card debt articles
52 articlesCredit card debt
Why a $100 card payment can lower the balance by under $100
Learn to explain why a payment and net balance reduction differ, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Credit-card APR explained with a simple planning estimate
Learn to understand APR with a clearly labeled interest example, with a worked example, practical checks, and free debt app guidance.
Credit card debt
How payment timing can affect credit-card interest
Learn to compare credit-card payment timing without draining cash, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Why minimum-only credit-card payments can keep debt around
Learn to understand minimum payments and actual balance progress, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Keep a fixed card-payment target when the minimum falls
Learn to keep a fixed total payment when a card minimum falls, with a worked example, practical checks, and free debt app guidance.
Credit card debt
A card grace period is not extra time after the due date
Learn to distinguish a purchase grace period from a payment deadline, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Plan for residual interest after a credit-card payoff
Learn to check residual interest after paying a card balance, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Evaluate a balance-transfer fee before moving card debt
Learn to include balance-transfer fees in a realistic comparison, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Turn a promo card deadline into a realistic payment target
Learn to build a payment target around a promotional deadline, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Deferred interest vs. 0% APR: read the offer before you plan
Learn to distinguish deferred interest from a zero-percent offer, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Why new purchases can complicate a balance-transfer plan
Learn to understand new purchases on a balance-transfer card, with a worked example, practical checks, and free debt app guidance.
Credit card debt
How to track two APRs on one credit card
Learn to keep separate APRs visible within one credit-card account, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Ask your card issuer about a lower APR with a clear script
Learn to ask a card issuer about a lower APR and verify the terms, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Prepare before calling about an unaffordable card minimum
Learn to prepare a realistic call about an unaffordable minimum, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Card autopay: choose the setting your cash flow can support
Learn to choose and monitor credit-card autopay settings, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Making an extra card payment when autopay is scheduled
Learn to check how an extra payment interacts with scheduled autopay, with a worked example, practical checks, and free debt app guidance.
Credit card debt
How to read a credit-card statement for a debt-payoff plan
Learn to review a credit-card statement for payment planning, with a worked example, practical checks, and free debt app guidance.
Credit card debt
What to do when a card balance looks wrong in your tracker
Learn to find missing or duplicate activity in a debt tracker, with a worked example, practical checks, and free debt app guidance.
Credit card debt
Handle a card refund without overstating debt progress
Learn to record card refunds without overstating cash payments, with a worked example, practical checks, and free debt app guidance.
Give your plan a place to live.
Track balances and compare payoff methods in Debtless. Free, with no account or bank connection.
