The minimum payment rate is in the credit card agreement or terms and conditions. There should be wording like "your minimum payment is 2% of your balance or $25, whichever is higher."
Your APR is located on your monthly billing statement. Usually there are different APRs for purchases, promotional periods, and cash advances. Enter the APR that matches how you use the card most of the time.
Calculate Minimum Payments or Paying Off the Balance of a Credit Card
Sample data has been entered so that you may explore the functions of this calculator. Please personalize it by entering data from your own credit card statement to assess your pay off options.

Current balance:
Additional charges you plan to
make that will add to the balance:
$ per month
Annual fee:
$ .00
Minimum payment rate: Minimum payment rate help
Annual percentage rate (APR): APR help
Predicted APR change:
A promotional rate of
% for months
An increase of
% per year
A decrease of
% per year
Pay off options(s) to compare:
By making the minimum payment
By making monthly payments of
$ .00

This calculator is for illustrative and educational purposes only. Its accuracy and applicability to your circumstances is not guaranteed. Please consult with a qualified professional to discuss your specific situation.

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