Credit card debt falls faster when extra payments are targeted, new spending is contained, and high-APR balances are handled first.
Start with the costliest balance
If one card is charging dramatically more interest than the others, that is usually where your extra payment should go.
Stop making the hole deeper
Payoff speed matters less if new revolving debt keeps replacing what you just paid off.
Bottom line
Card debt payoff gets faster when the payment plan and the spending behavior change together.