The best strategy for paying your credit card bill is to pay the full balance in full each month by the due date to avoid interest charges. If paying in full is not possible, at least pay more than the minimum amount to reduce debt faster and save on interest. Among debt payoff approaches, two popular ones are:

• Debt Avalanche: Prioritize paying off the card with the highest interest rate first while making minimum payments on others. This saves the most money in interest over time.
• Debt Snowball: Focus on paying off the card with the smallest balance first to build motivation through quick wins, while making minimum payments on other cards.

Additionally, setting up automatic payments and payment reminders helps ensure timely payments, avoiding late fees and damaging credit scores. Using budgeting tools, consolidating debt with balance transfers or lower-rate loans, and cutting back on unnecessary spending can support faster repayment. In summary, aim to pay full balances monthly if possible; otherwise, use the avalanche method for least interest paid or the snowball method for motivational progress. Automatic payments and managing spending are key to success.