The Situation

The Math They
Don't Show You

A significant credit card balance at high APR, paid at the minimum payment only, takes many years to clear and costs multiples of the original balance in interest. The minimum payment is not a payment plan. It is a debt maintenance plan.

"The minimum payment keeps the account current. It does not pay down the debt. It keeps you in the debt."

Worthune Editorial

• You make minimum payments on at least one credit card most months
• You have had a credit card balance that has not meaningfully decreased in over six months
• You have never calculated the total interest cost of your current payment pace