The average American, according to Experian’s annual survey, is saddled with $6,375 of credit card debt. Let’s say your card has a standard interest rate (15 percent) and you make standard monthly payments ($100). At that rate, it would take you 127 months to pay off the card. Bump those monthly payments up to $125, and you’re staring down a comparatively much shorter 82 months, while $150 payments will bring you down to 61 months.
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