Tips
Paying only the minimum keeps you in debt for years. A 0% balance-transfer card (usually with a 3–5% fee) or paying the highest-APR card first (avalanche) saves the most interest.
FAQ
How long to pay off $6,500 at 22.9% with $250 a month?
About 37 months, paying roughly $2,570 in interest.
Sources (checked Nov 6, 2026): Standard amortization; CFPB credit card guidance.