Paying off tens of thousands of dollars in credit card debt isn't easy, but there are a few solutions to consider.

In most cases, credit card issuers don’t charge interest on your purchases during the grace period. Once the grace period ends, interest begins accruing on your balances if you haven’t paid them off in full.

With the widespread release of credit cards in the 1950s and 1960s, they have since become ubiquitous in everyday life. According to the Federal Reserve Bank of Atlanta, 82% of American adults have a credit card,

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"If this proposal were to become law, what would be the incentive for banks to issue credit cards to borrowers who don’t have stellar credit?" the Editorial Board of the Las Vegas Review-Journal writes.

Understanding your billing cycle helps you avoid interest charges and late fees while maximizing rewards and cash flow.