A Reddit user earning $87,500 a year has shared how an $11,000 credit card debt carrying a steep 30% annual percentage rate (APR) pushed them to rethink their finances and create a plan to become debt-free within 21 months.
The posts, shared on r/Debt, trace the user's journey from asking whether a balance transfer made financial sense to building a structured repayment strategy after qualifying for a 0% introductory APR offer.
