Any APR · Any payment

Kill your credit card debt faster.

Exact payoff date, interest saved, and why minimums are designed to trap you.

Paying only the minimum? Most cards ask ~2% of balance — try it and see why that trap costs thousands.

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Why minimum payments are a trap

A $5,000 balance at 22% APR takes 23+ years to clear on minimums and costs more in interest than the original debt. Doubling your payment can cut payoff time by two-thirds. Every extra dollar above interest goes straight to principal.

Estimates assume fixed payments and rates.