Comment l'utiliser
- Enter Balance.
- Enter APR %.
- Enter Payoff (years).
La formule
Payoff time depends on balance, APR and payment.
Exemple concret
$5,000 at 22% APR paid at $200/month takes about 32 months.
Questions fréquentes
Why do cards cost so much?
High APRs and low minimums stretch payoff for years.
Best move?
Pay well above the minimum and stop new charges.
Conseils
- Pay more than the minimum — it changes payoff dramatically.
- Attack the highest-rate balance first to save the most.
- Stop adding new charges while you pay debt down.
Termes clés
- Minimum payment
- The smallest amount due each period.
- Utilization
- Balances divided by credit limits.
- Consolidation
- Combining debts into one loan.