I've paid off my credit card I only had one, but after I let it roll over for some years I had to payback double. After that I learned not to get a credit card anymore because I never know when I'll be out of a job. It's difficult to keep all those bills paid, especially if you're out of work. It feels good that I don't have that hanging over me anymore. I would say the easiest way to pay off your debt is when tax time rolls around. That large sum of money is perfect for paying off debt. I sacrificed not buying anything with my refund, and that's how I paid the credit card off.