Track each card’s statement balance, annual rate, minimum due, due date and planned payment in one place. Add the total interest charged each month. Seeing the rupee cost makes it easier to understand why minimum payments are not enough.
Choose a repayment method you can sustain
The avalanche method targets the highest rate first and usually minimises interest. The snowball method targets the smallest balance and can create motivational wins. Both require every other account’s minimum to be paid on time.
Freeze new discretionary borrowing
Remove saved card details from shopping apps or lower transaction limits if that helps. A payoff plan cannot succeed while fresh purchases replace every rupee of principal repaid.
Keep an emergency buffer
Do not send every last rupee to cards and then use the cards again for groceries when a small emergency occurs. Maintain a basic cash buffer while aggressively reducing debt.
Check the debt trend monthly
The key metric is total revolving principal. If it falls every month, the plan is working. If it stays flat despite payments, interest and new spending are cancelling your effort.
Credit-score improvement is a side effect of better debt management. Focus first on becoming a borrower who pays on time and carries less revolving debt.