If you only pay the minimums on your credit cards, it can take years to pay them off completely and, in the meantime, you'll be paying far more in interest than the cost of the product. CNBC personal finance expert Carmen Wong Ulrich shares the secret to paying off all your cards as quickly as possible. Her advice: pay the minimum on all your cards, plus as much as you can afford on the card with the highest interest rate. Once that card is paid in full, start working to clear your debt on the card with the next highest interest rate. Watch the video to see Carmen's tips for how to pay off your debt faster.