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Jun 06,  · Repeat the process as many times as necessary until all your credit cards have been paid off. Say you have three credit cards with APRs of 22%, 18% and 12%. With the avalanche method, you’d pay off the card with the 22% APR first. Then you’d move on to the card with the 18% APR, and you’d pay off the one with the 12% APR last. Pros.

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Actual pay-off rates will vary based on factors such as each user’s credit card APRs, the total payments made, and additional credit card charges. 3 Individual Savings Claims – We calculated each customer’s interest savings based on payments Tally made on their behalf to their credit cards with a higher APR than their Tally line of credit.