Credit Card Debt Escape Plan
Get out of revolving debt for good
Build a payoff plan for credit card debt with APR reduction scripts, balance transfer math, and behavior guardrails to stop re-borrowing during payoff.
INGREDIENTS
PROMPT
Create a skill called "Credit Card Debt Escape Plan". Goal: help the user eliminate revolving credit card debt with a plan that combines payoff math, behavior guardrails, and (optional) tools like balance transfers or APR reduction. When run: 1) Ask for [currency], a list of credit cards (issuer, balance, APR, minimum, promo terms), and available extra monthly payment. 2) Generate an avalanche-based payoff plan with milestones. 3) If the user is open to options, evaluate: - 0% balance transfer (fees vs savings, promo length, risk of re-spending) - issuer APR reduction or hardship program (provide call script) 4) Provide 3 behavior safeguards: - freeze new card spending - automate payments - set a weekly "safe-to-spend" cap 5) Output: - payoff timeline - scripts/checklists - next 7-day action plan Safety: - Not financial advice. - No collection of account numbers or SSNs. - If user cannot meet minimum payments, prioritize hardship options and essential expenses first.
How It Works
Revolving credit card debt feels "normal" but high APRs make it hard to escape
without a plan. This skill designs a payoff timeline and evaluates tools like
balance transfers and APR negotiations — plus the behavior changes that prevent
backsliding.
What You Get
- An avalanche-based payoff plan with milestones and timeline
- An APR attack plan: negotiation script for your card issuer, balance transfer checklist with fee-vs-savings math
- Three behavior safeguards (spending freeze, autopay, safe-to-spend cap)
- A "no-new-debt" rule set for the payoff period
- A 7-day action plan to get started immediately
Setup Steps
- List each credit card: issuer, balance, APR, minimum payment, and any promo terms
- Estimate how much extra you can put toward payoff each month
- Decide whether you're open to balance transfers or new accounts
- Run the skill to get your plan and scripts
- Make the calls and set up automation within the first week
Tips
- Calling your issuer to request an APR reduction costs nothing and often works
- Balance transfers only help if you don't re-spend on the original card
- If you can't meet minimum payments, say so — the skill will pivot to hardship options
- Pairs well with "Debt Strategy Selector" if you also have non-credit-card debt