As of 13 August 2026, AI can create a plan to pay off your credit card.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open the latest statement for each credit card and copy the balance, interest rate or APR, minimum payment, due date and any promotional-rate end date into a separate note, omitting full card numbers and security details.
   2. Write down your monthly net household income, essential spending, other debt payments, available repayment amount and any savings you need to protect.
   3. Paste those figures into the prompt and send it to a chatbot such as ChatGPT, Claude or Gemini.
   4. Ask the model to recalculate the plan if any figure is missing or unclear, rather than allowing it to estimate the figure.
   5. Compare every balance, rate, minimum payment, due date and promotional period in the drafted plan with the latest statements, then check the payment totals against your available monthly amount.
   6. Set reminders or payment instructions with your card providers for at least the minimum payments, and direct only the confirmed extra amount to the card identified in the checked plan.
   7. If the plan leaves too little for essential spending, or you are already missing payments, contact a regulated debt adviser before changing payments or taking new credit.

   Prompt

   Create a practical plan to pay off my UK credit card debt. Use only the figures I provide and do not invent missing information.
   
   My cards:
   [For each card, give the card name, current balance, annual interest rate or representative APR, minimum payment, payment due date, promotional rate and end date if relevant. Do not include full card numbers or security information.]
   
   My monthly position:
   - Net household income: £[amount]
   - Essential monthly spending: £[amount]
   - Other debt payments: £[amount]
   - Amount currently available for extra card repayments: £[amount]
   - Cash savings or emergency reserve I need to protect: £[amount or not provided]
   - Any expected changes to income or essential spending: [details or none known]
   
   First, list any missing figures that could materially change the plan. Then:
   1. Check that the proposed total payment is affordable after essential spending and other debt payments. Do not assume I can pay more than the amount stated.
   2. Keep every card's minimum payment in the plan and identify the card that should receive the extra payment, explaining whether this is based on the highest interest rate or another stated reason.
   3. Produce a monthly table showing each card's payment, estimated remaining balance, interest assumption and the point at which it is paid off. Label estimates clearly and show the arithmetic used.
   4. State what could make the timetable wrong, including interest-rate changes, fees, new spending, missed payments and promotional periods ending.
   5. Give a short checklist of figures I must verify against my latest statements before acting.
   
   Do not recommend a balance transfer, loan, debt-management plan or other financial product unless you clearly label it as an option requiring independent checking. Do not claim that this is regulated financial advice. End with: 'This is not professional advice. If the payments are unaffordable, speak to a regulated debt adviser before making changes.'

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.