I’ve been working hard to pay off my credit card debt.

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You should work hard to pay off your credit card debt.

I diligently budget and save to pay down my credit card debt.

Are you working hard to reduce your credit card debt?

If I didn't work hard, I wouldn't be able to pay off my credit card debt.

I am diligently pursuing the repayment of my credit card debt.

I'm trying really hard to get rid of my credit card debt.

I'm working to pay off my credit card.

To completely repay a debt.

To put in a lot of effort and dedication.