Debt is the worst thing you can do to your credit report. However, paying your debts in a timely manner can just as easily elevate your credit rating. It takes immense discipline and management skills to stay on top of your finances. Making on-time payments towards your debts is the best way to overcome the risk of ruining your credit rating. You can also use the following apps to help manage credit card debt.

1. Tally
Tally is a reliable debt management app that helps you stay on top of your credit card payments by automating them. By doing so, you will be able to reduce your debt and avoid being late on your payments. You can download the app for free. However, the real value in using the app is when you are approved for a Line of Credit that allows you to consolidate your debt and pay it with a lower APR. While you will have to pay the interest rate on loan, Tally will find the best way to save you money.

2. Debt Book
Debt Book is an app that borrowers, as well as lenders, use. It lets you monitor and update your debt in a master book that gives the total borrowed or lent amount, how much you paid or collected, and how much debt is left to be paid. The app also lets you view the data in a graphical representation for quick understanding and analysis of your current debt situation. Both borrowers and lenders can be on the same app and communicate through the platform. It is an excellent tool to manage credit card debt and is highly recommended by most users.

3. Debt Manager
This app lets you create a progress bar that shows how much debt you have paid and how much is still left. They have an interactive user interface that reminds you of your payments and keeps you updated about your debt situation. You can also track your monthly payments to ensure that your credit card bills are paid on time.

4. Pay Off Debt
This app helps you choose the best method to pay your debt. You can use the snowball method or the debt avalanche method to tackle your mounting debt. It is one of the best apps to help manage credit card debt. Pay Off Debt also encourages you to stay motivated during your journey to repay all your debt.

5. Mint
If you want to clear your credit card bills on time, you will need a budget for that. Mint lets you do that efficiently and with ease. It is a leading budgeting app, and for a good reason! It comes packed with extra features. It keeps information related to all your credit cards, cash, credit score, investments, and loans in one place.

You can consider using any of these reliable apps to manage your credit card debt.