See how many months it will take to pay off a debt, and how much interest you'll pay along the way.
On high-interest debt like credit cards, a payment close to the minimum can take years to clear and cost more in interest than the original balance. Increasing the monthly payment even modestly often cuts both the payoff time and total interest dramatically.
If your monthly payment is lower than the interest accruing each month, the balance will never be paid off — you'll need to increase the payment above that threshold.
As a general rule, paying off debt with a higher interest rate than your expected investment return tends to provide a better guaranteed outcome, though individual circumstances vary.