Credit Card Reset

Credit Card Reset

Manage Balances & Build Better Habits

Paying your credit card bill shouldn’t feel like throwing money at a balance that refuses to budge. Understand the numbers, choose an affordable strategy, and build a routine you can sustain.

Created by Dawn Sullivan, Realtor and Certified Credit Specialist, this practical 23-page guide helps you move from payment guesswork to an organized plan.

Inside, you’ll learn:

• How to read statement balances, current balances, and minimum payments
• Why statement closing dates and payment due dates serve different purposes
• How interest and purchase grace periods work
• How to calculate individual and overall utilization
• How snowball and highest-interest payoff strategies compare
• What to check before accepting promotional financing or a balance transfer
• What to ask your issuer when payments become unaffordable
• What to consider before closing a card or disputing a billing error

Your download includes:

• Practical examples and a worked payoff comparison
• A 30-day reset plan
• Five fillable worksheets for card details, budgeting, utilization, payoff priorities, and monthly progress
• Linked consumer resources

Build a plan around your real budget—not just your available credit limit.

Digital PDF download | $12

Read digitally or print for personal use. No physical book will be shipped.

Educational information only; not individualized legal, tax, or lending advice. Savings, payoff dates, score increases, and approvals are not guaranteed.