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Once you know the rules, all you need is time, effort and a little bit of strategy to win the credit game.

If your current credit card has a high APR or you have more than one card that you’re trying to pay off, then it’s probably time to find a balance transfer credit card that serves you better.

Research suggests that choosing the right debt repayment strategy can measurably increase your chances of success—and the best method might not be the one you think.