Using a credit card is extremely easy. Go to the store. Choose what you want. Take it to the teller. Swipe. Password. Done. As the balance continues to climb and you are only able to make the minimum monthly payment, have you ever wondered how long it will take you to pay it off and how much interest you will along the way?

Calculate how many months it will take you to pay off your credit cards with your current interest rates and what it could be with a lower interest rate.