CARDPLAN GUIDES
Practical guides for smarter credit card payment decisions
Clear, evergreen explanations and free tools for comparing payment priorities, card-level utilization, and how to allocate the money you have available.
PAYMENT PRIORITY
Which Credit Card Should I Pay First?
Compare highest-APR, smallest-balance, and utilization-first approaches—and see why the right first card depends on your objective.
PAYMENT ALLOCATION
Pay Off One Credit Card or Spread Payments Across Cards?
See when concentrating extra money on one card may make sense, when spreading it can help, and why an equal split is not automatically optimal.
FREE TOOL
Credit Utilization Calculator
Calculate overall and per-card utilization, model a payment, and compare target utilization levels without creating an account.
Want to model your own payment plan?
Use CardPlan to compare payment scenarios using your balances, limits, available cash, and statement timing.