The minimum payment trap

[{"selector":"#anim-01614f16-c16e-45ef-8808-2f6699a19d8b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":7000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-228ed46b-8b64-4bdc-bc20-6aaaad404a33","keyframes":{"transform":["translate3d(-114.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":200,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f57fac03-1edf-4344-a0b2-1707d4fbeea7","keyframes":{"opacity":[0,1]},"delay":200,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bec2bc9e-2d9e-4870-b71e-1eca69a83206","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":200,"duration":500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-edf27521-7b47-452c-b496-48c1e4fa9c32","keyframes":{"opacity":[0,1]},"delay":350,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6386573c-ca43-4a5a-ab54-6204b9e4e680","keyframes":{"transform":["translate3d(0px, 308.59793%, 0)","translate3d(0px, 0px, 0)"]},"delay":350,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e066009c-607d-4147-8817-bec012474679","keyframes":{"opacity":[0,1]},"delay":700,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5e446a4b-7588-49ec-ab19-c7b057074acb","keyframes":{"opacity":[0,1]},"delay":700,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] CREDIT CARD DEBT CREDIT CARD DEBT How long it really takes Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0

$5,000

[{"selector":"#anim-6d44ffb5-6519-4981-9ec9-217a6947d337","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-399a8882-9809-411d-9a61-3a71d6e291e3","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-5e7f4b37-7186-44db-9267-8f8cada8e65d","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7040716f-6686-4fa9-8af5-c43f92fe4979","keyframes":{"transform":["translate3d(0px, 100.07334%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-429d92df-d55b-402a-bebc-882c6ef8b5cc","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-107d1e01-45f6-465c-86d2-a4327ee3f87d","keyframes":{"opacity":[0,1]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dc3955b4-b91f-40cb-b836-3764fb905cba","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-ae0aef72-d3b6-4feb-b257-b350556bd442","keyframes":{"opacity":[1,1]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-fb5d9977-386a-4e2f-8a6a-530380abbc51","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-a79723e8-9373-4f6d-821b-bb3cffb01d89","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9447dc6e-a589-4649-b235-0d51d4c87ab0","keyframes":{"opacity":[0,1]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-43c914a0-db4e-41ae-8ada-2b699ba9ea96","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-aa9b3cfd-4f85-4fdc-a7ae-d9562f26f5d2","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-feb7a381-eda3-4e75-8b43-94e6c8e405df","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Example Example At 22.36% APR A common card balance. Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0

~19 YRS

[{"selector":"#anim-8a4e2c45-ec83-4b35-b77c-97a658bbc22c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-fee3c8e2-679f-4070-a09d-133285c36f9e","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-2a849080-a93a-42c8-8f58-cd6e86a3d3df","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-942ab198-1f1d-4756-a5de-07f4ea061aaa","keyframes":{"transform":["translate3d(0px, 100.07334%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5c1d586f-a919-498c-94a4-51910530f9d9","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ff4ebe2-9f45-4088-9cfa-354bf5a323bc","keyframes":{"opacity":[0,1]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dad7fd77-0a57-4c46-86e4-02a532bf494c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-0ceb21e7-4a43-4a64-a684-ad4fe185f7dd","keyframes":{"opacity":[1,1]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-45a4c377-9af3-460d-bb7f-3ed1e4f1e6e7","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-616987a3-302f-4b58-abe2-ac8038ad3304","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c3bbfb64-1969-40a7-b552-5e8c4830d752","keyframes":{"opacity":[0,1]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bacf4f9f-4a18-4fd5-9cf0-562f64bf249c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-b1244fdf-4e3e-449b-8212-6560184f1e1c","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e42b6fe4-57c7-4570-b362-498c0a6a9ffd","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Minimum only Minimum only To pay off Our estimate. Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0

~$8,200

[{"selector":"#anim-d31c264e-5227-45a0-b841-6a14b8b500ee","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-1da7a581-f3b1-47a2-9307-0f10fe7ebbf4","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-71d7fbea-d06a-4f92-b175-348c33b1dee6","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-88979110-eedb-4a3e-a8e5-47668d07ab6b","keyframes":{"transform":["translate3d(0px, 100.07334%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-61c87fba-166a-4116-89de-a34b4b89c5a9","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ee7ebc66-8af1-479b-bdf7-682fdeea0053","keyframes":{"opacity":[0,1]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d7388c6-3a86-44a3-9815-209b9f5c53ba","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2d6b150f-ccf5-41af-af8c-23f172b5733e","keyframes":{"opacity":[1,1]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-0f2eb63b-f6c4-4eec-8f1d-a20162c3ddf1","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-7f5c1346-ca51-4292-be3b-e1c42ed2c902","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7e94a95b-bf49-44a0-b414-285afba161d0","keyframes":{"opacity":[0,1]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9410b3a2-8a7b-4768-bef7-886a79213089","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-e0a99134-2bc8-46da-a8f1-885a175fd988","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-15a37c80-2707-475c-9f2b-df19f0678924","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Interest Interest Minimum only Paid on top of $5,000. Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0

~3 YRS

[{"selector":"#anim-f42ebd6c-85de-47fe-8a13-7b3dc53afe18","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-e2412d6c-65bf-481c-9f4d-e2866eec483b","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-a5f40a3d-a1a4-4976-83c8-58985ef5391f","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f2f4fc7c-d9d2-4cc2-a760-33c5fa68387c","keyframes":{"transform":["translate3d(0px, 100.07334%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1c7d6caa-f24f-4dff-ade4-b8fe5a61a10a","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c1057175-a1b4-4f15-8017-ff37f9c8c1fa","keyframes":{"opacity":[0,1]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d6301cb-c1d2-4de3-bc40-d454344d9337","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-230205e7-ab9f-4264-9422-cfd2d06d02cb","keyframes":{"opacity":[1,1]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-b091a23d-652b-4eed-8f4a-9819cf691dec","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e214a967-ab4c-4a6b-9918-0b867aaa7da5","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5ec067ee-4fc7-4e6e-bea9-df830d673506","keyframes":{"opacity":[0,1]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0ffb56e2-2333-4342-8f99-085edb46f524","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-7598066d-8bc9-4c35-98e9-d90ac5616459","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eaf72147-a95b-4b68-8748-dae97fec80cb","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] $200 a month $200 a month To pay off About $1,800 interest. Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0

~21 MO

[{"selector":"#anim-7c876320-0f8b-4427-8080-48cb2680ad56","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-5642f239-e401-431c-a4aa-df6047602816","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-2f5f19fc-b4ad-4b17-8ef2-e646497a7015","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-84296050-1044-4252-83b4-4030cc50d3e0","keyframes":{"transform":["translate3d(0px, 100.07334%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dcff5172-5171-4c12-a212-6c9fa8d0d10c","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a0ef4c8e-4233-40d8-b264-6c4cee5a93b1","keyframes":{"opacity":[0,1]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd6d47b7-3370-4756-bf0f-62425da5438b","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-572f82b1-e28e-4d80-ae83-d4bcf495938c","keyframes":{"opacity":[1,1]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-43d5c8bf-6a14-4388-92b6-2de8ab1e1834","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-668ae1e5-ac8d-4e66-b329-3513a8153ff3","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e3ae5924-96ce-456d-a2ae-ee64e7524380","keyframes":{"opacity":[0,1]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-734df007-d096-4a7c-8a14-ad4fbfbecbcf","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-c79bddf1-0c84-4033-9293-8a7b10d3bf92","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-50e8a24f-1516-4094-9ee3-8a406a879cc3","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] $300 a month $300 a month To pay off About $1,040 interest. Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0

WARNING BOX

[{"selector":"#anim-6d44ffb5-6519-4981-9ec9-217a6947d337","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-399a8882-9809-411d-9a61-3a71d6e291e3","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-5e7f4b37-7186-44db-9267-8f8cada8e65d","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7040716f-6686-4fa9-8af5-c43f92fe4979","keyframes":{"transform":["translate3d(0px, 100.07334%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-429d92df-d55b-402a-bebc-882c6ef8b5cc","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-107d1e01-45f6-465c-86d2-a4327ee3f87d","keyframes":{"opacity":[0,1]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dc3955b4-b91f-40cb-b836-3764fb905cba","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-ae0aef72-d3b6-4feb-b257-b350556bd442","keyframes":{"opacity":[1,1]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-fb5d9977-386a-4e2f-8a6a-530380abbc51","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-a79723e8-9373-4f6d-821b-bb3cffb01d89","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9447dc6e-a589-4649-b235-0d51d4c87ab0","keyframes":{"opacity":[0,1]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-43c914a0-db4e-41ae-8ada-2b699ba9ea96","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-aa9b3cfd-4f85-4fdc-a7ae-d9562f26f5d2","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-feb7a381-eda3-4e75-8b43-94e6c8e405df","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Your statement Your statement CARD Act Shows your payoff time. Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0

AVALANCHE

[{"selector":"#anim-8a4e2c45-ec83-4b35-b77c-97a658bbc22c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-fee3c8e2-679f-4070-a09d-133285c36f9e","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-2a849080-a93a-42c8-8f58-cd6e86a3d3df","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-942ab198-1f1d-4756-a5de-07f4ea061aaa","keyframes":{"transform":["translate3d(0px, 100.07334%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5c1d586f-a919-498c-94a4-51910530f9d9","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ff4ebe2-9f45-4088-9cfa-354bf5a323bc","keyframes":{"opacity":[0,1]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dad7fd77-0a57-4c46-86e4-02a532bf494c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-0ceb21e7-4a43-4a64-a684-ad4fe185f7dd","keyframes":{"opacity":[1,1]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-45a4c377-9af3-460d-bb7f-3ed1e4f1e6e7","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-616987a3-302f-4b58-abe2-ac8038ad3304","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c3bbfb64-1969-40a7-b552-5e8c4830d752","keyframes":{"opacity":[0,1]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bacf4f9f-4a18-4fd5-9cf0-562f64bf249c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-b1244fdf-4e3e-449b-8212-6560184f1e1c","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e42b6fe4-57c7-4570-b362-498c0a6a9ffd","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Best method Best method Highest rate first Saves the most interest. Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0

CALL

[{"selector":"#anim-d31c264e-5227-45a0-b841-6a14b8b500ee","keyframes":{"opacity":[0,1]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-1da7a581-f3b1-47a2-9307-0f10fe7ebbf4","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":1200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-71d7fbea-d06a-4f92-b175-348c33b1dee6","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-88979110-eedb-4a3e-a8e5-47668d07ab6b","keyframes":{"transform":["translate3d(0px, 100.07334%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-61c87fba-166a-4116-89de-a34b4b89c5a9","keyframes":{"transform":["translate3d(-100%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ee7ebc66-8af1-479b-bdf7-682fdeea0053","keyframes":{"opacity":[0,1]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5d7388c6-3a86-44a3-9815-209b9f5c53ba","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":450,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-2d6b150f-ccf5-41af-af8c-23f172b5733e","keyframes":{"opacity":[1,1]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-0f2eb63b-f6c4-4eec-8f1d-a20162c3ddf1","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":450,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-7f5c1346-ca51-4292-be3b-e1c42ed2c902","keyframes":{"transform":["translate3d(-106.5934%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7e94a95b-bf49-44a0-b414-285afba161d0","keyframes":{"opacity":[0,1]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9410b3a2-8a7b-4768-bef7-886a79213089","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":550,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-e0a99134-2bc8-46da-a8f1-885a175fd988","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-15a37c80-2707-475c-9f2b-df19f0678924","keyframes":{"opacity":[0,1]},"delay":800,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Quick win Quick win Ask for lower APR One call can cut your rate. Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0

Payoff tables and tips

[{"selector":"#anim-018ad31f-eca7-40a4-9d3b-e2aaeea3d058","keyframes":{"opacity":[1,1]},"delay":200,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-8d1b60a9-fd25-4424-95f8-9329e3f6a769","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":200,"duration":400,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-b843d27f-0441-42cf-9f57-d449715cdc2d","keyframes":{"opacity":[0,1]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fcd2b62c-2f91-42e4-a0c1-125f645cbbe9","keyframes":{"transform":["translate3d(0px, 461.80551%, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-85ca6cbb-4650-47fc-b792-0903526f77db","keyframes":{"opacity":[0,1]},"delay":700,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f900171f-9616-4a37-b000-1f603910b5c6","keyframes":{"opacity":[0,1]},"delay":700,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8e12ae62-a19f-4dd6-984f-326e85062eb2","keyframes":{"opacity":[0,1]},"delay":1000,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c356a9d5-d0de-4411-8ccf-acd5c0d95d23","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":1000,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-0b8a354d-6dfc-42a4-bb4a-6399f5e120db","keyframes":{"opacity":[0,1]},"delay":1000,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-8afe78bf-58c7-4531-a87b-7b9ab6352348","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":1000,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Get out faster Get out faster Read the guide READ THE FULL GUIDE → nexgenheadlines.com Photo: Yuri Samoilov / Wikimedia Commons, CC BY 2.0 Read the full guide