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Frequently Asked Questions
What is the avalanche vs snowball method?
The avalanche method pays off highest-interest cards first (saves most money). The snowball method pays smallest balances first (builds momentum). Avalanche is mathematically superior; snowball is psychologically easier.
What's the average credit card APR in 2025?
The average credit card APR in the US hit record highs around 20–23% in 2025. This makes carrying a balance extremely expensive.