How long will it take to pay off a credit card?

Like many credit card holders, there are times when you might have overdone it on the spending and are now facing the task of paying off your credit card balance. The length of time it will take is primarily driven by the interest rate you are paying on the outstanding balance, how much you continue to use the card and how much you pay off monthly. A good rule of thumb is to try to pay off any card balance in 36 months, but you might want to see what it will take to pay off the balance in shorter or longer increments of time.

Calculations provided by Fintactix.
  • Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

DuPage Credit Union credit card benefits

  • No annual fee. No matter which DuPage Credit Union credit card you use, you'll never pay an annual fee
  • Skip-a-pay. Skip a payment up to two times each per calendar year.
  • No foreign transaction fee. As a benefit to our Members, we waive the fee Visa charges.
  • $0 fraud liability. With Visa's Zero Liability Policy, your liability for unauthorized transactions is $0.
  • Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

  • Some restrictions may apply.

  • APR = Annual Percentage Rate

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  • APR = Annual Percentage Rate. 3.99% Introductory APR for the life of the balance transfer loan. Any additional balance transfers, outside of the introductory APR, will be charged the standard variable APR of 10.50% to 24.50% based on your credit card program and creditworthiness. Limited-time balance transfer offer effective 6/1/2021-8/31/2021. Balances transferred from an existing DuPage Credit Union Visa® credit card do not qualify for this offer. Platinum Rewards and Platinum Advantage cards opened between 6/1/2020-10/27/2020 and 4/1/2021-8/31/2021 are not eligible for this offer due to current introductory offer. Some restrictions may apply. Terms and conditions apply. Current DuPage Credit Union credit card must be paid up to date and not delinquent. Must have a Credit Union membership established and be in good standing.

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