Level 2

Debt management

You should be making at least the minimum payment on all your debts. With two cards, you make the minimum payment on one and extra payments above the minimum on the other until it's paid off. If you can only afford the minimum payment for one card, then you need to reevaluate your spending habits and stop charging purchases to your credit cards. Pay all your bills first and then budget out the remainder of your money to any extra purchases, like going out/eating out, getting coffee, new clothes, etc.