The money math your bank doesn't show you.

Paying the minimum? See when you'll actually be debt-free.

On minimums, a $5,000 card at 24% takes about 19 years to pay off and costs about $8,900 in interest.

• Your own payoff date, and how to move it years closer
• A guided, word-for-word call to ask for a lower rate — 84% of people who asked got one
• Your plan B if they say no, matched to your credit