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How Long Will it Take to Pay Off a Credit Card?

Create a plan to pay down debt

Maybe you've overdone it with your credit card spending and you're trying to pay off your debt. The length of time it will take is based on your interest rate, outstanding balance, how much you continue to use the card and what you pay each month in terms of a monthly payment. A good rule of thumb is to try to pay off any card balance in 36 months, but you can use this calculator to see what it will take to pay off the balance sooner and the impact of paying it off over a longer time period.