Ideas for paying off credit card debt Ideas for paying off credit card debt By Rachel DePompa | January 18, 2021 at 6:01 AM EST - Updated January 18 at 8:46 AM RICHMOND, Va. (WWBT) - It happens all the time. A car breaks down or the AC unit goes out. A big expense you never saw coming. Itâs a new year and a new time to tackle debt. If you built up debt last year, donât let it ruin 2021 for you. Letâs get serious about making a plan to pay it all off. Kim Palmer a personal finance expert with Nerdwallet says step one is simple, get organized.