Credit card debt is sneaky.

It starts small.
A quick meal here. A last-minute flight there.
Before you know it — 💥 boom, RM12,000 balance at 18% interest.

The good news?
You can take control.
And Aetherance is here to make it easier, clearer, and way less stressful.

Let’s break it down step-by-step.

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🔍 Step 1: Get Clear on What You Owe

You can’t fix what you don’t face.

Start by listing every credit card you have:

• 🔢 Outstanding balance
• 📅 Due date
• 💸 Minimum payment
• 📈 Interest rate

💡 Aetherance Tip: Use the Debt Tracker in the app to plug in all your card info. You’ll get a clean overview of total debt, interest, and repayment status — no spreadsheets needed.

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🧠 Step 2: Choose Your Payoff Strategy

There’s no one-size-fits-all. Pick a method that works with your mindset.

❄️ Snowball Method:

Start with the smallest balance for quick wins and motivation.

🏔 Avalanche Method:

Target the card with the highest interest to save more money in the long run.

💡 Not sure? Aetherance can help you simulate both — and pick the best fit.

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💥 Step 3: Stop the Bleeding

This is key: Don’t add new charges.
While you’re paying off debt, freeze your cards — digitally or literally (yes, people really do this 🧊).

💡 In Aetherance, set spending limits or “lock” a category like shopping or dining out so you’re not tempted to swipe.

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🧯 Step 4: Budget Around Your Debt

You don’t have to stop living — just prioritize.

Inside Aetherance:

• Set your minimum payments as non-negotiables
• Create a category for extra debt payments
• Track every ringgit that goes in and out

You’ll see how small tweaks (like cutting down on grabfood for a week) help accelerate your debt freedom.

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📈 Step 5: Watch Your Progress

Debt repayment is a long game.
Stay motivated by celebrating milestones — like:

🎉 “Paid off one card!”
🎉 “Saved RM100 in interest this month!”
🎉 “On track to be debt-free by next Raya!”

With Aetherance, you’ll get visual progress bars and goal trackers to keep your eyes on the prize.

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🎯 Final Word

Credit card debt can feel overwhelming — but it’s not forever.

With the right system, some consistency, and a little bit of help from Aetherance, you can take back control and build toward financial freedom — one payment at a time.

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🔔 Ready to Tackle Credit Card Debt?

Download Aetherance today.
Track it. Budget it. Crush it.
💚 You’ve got this.