Debt Management

Review ways to help take back control when paying off debt, consolidating debt or managing debt.

If you're a Citi Customer having trouble paying your past due balances, we may be able to help.

Call us at 1-866-670-6730 (TTY 1-800-926-5818) to speak with our Payment Assistance Team about convenient payment solutions.

How does low APR work for credit cards?

Everything you need to know about how low intro APR credit cards work, including different kinds of intro APR and how to make sure you avoid paying interest.

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How to avoid paying interest on your credit card

Learn how to avoid interest on credit cards to make the best use of your cards. Here is everything you need to know about when and why credit cards will charge interest.

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How do credit card balance transfers work?

Credit card balance transfers work to reduce interest payments as you drive down your overall credit card debt. Here's how to make them work for you.

How to transfer your credit card balance

Credit card balance transfers can help you reduce interest payments as you drive down your overall credit card debt. Here's how to make them work for you.

Balance transfer credit cards for Fair credit

We provide the types of offers you can expect from a balance transfer credit card for fair credit, along with steps to drive your credit score up.

Credit Card Balance Transfers 101

If you are looking to consolidate credit card debt, you may want to consider a balance transfer. Find out if transferring a balance is the right option for you.

How to make a debt payoff plan and stick to it

Learn how a debt payoff plan may help you to get out of debt. These tips may help you to get on the right track to paying off your credit card debt.

5 Things to Know About APR

When you apply for a loan, you're also responsible for paying APR. Find out some important facts concerning APR that may help you make better financial decisions.

The Pros and Cons of Sharing a Credit Card Account

If you're considering sharing a credit card with your partner, here are some things to consider before taking action.

5 Surprising Ways to Help Manage Credit Card Debt

Here are five smart ways to start to recover from credit card debt.

3 Ways to Help Prioritize and Pay Off Debts

If you're ready to take control of your finances, start by honestly assessing your total debts & create a repayment plan.

My Debt Success Story: Aja McClanahan

We talk to Aja McClanahan, who is an example that for the willing, there is a way to pay off credit cards and stay free from debt.

Is a Balance Transfer a Good Idea?

Balance transfers allow you to transfer your current balance from qualifying options to a low-interest credit card.

Additional Resources

Insights and Tools

Utilize these resources to help you assess your current finances & plan for the future.

FICO® Score

Learn how FICO® Scores are determined, why they matter and more.


Review financial terms & definitions to help you better understand credit & finances.