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The new amount for the payments on the next card should be the same as what you were paying down on the last card, plus the minimum payment from the last card. This snowballing action will let you pay more of your debt as you reduce your balances more drastically. When you free up a card with a low interest rate during your snowball, consider moving your balances to that card. Doing so will free up even more money to pay down your debt, that you might have otherwise been paying in interest. Snowballing offers a simple and routine way to make regular payments on your overall credit card debt, which will slowly become less and less as you make more payments.