Pagamento de Cartão de Crédito
Calculate how long to pay off your credit card and total interest cost.
Principal vs Interest
Payment Breakdown
| Month | Payment | Principal | Interest | Remaining Balance |
|---|---|---|---|---|
| 1 | US$ 200,00 | US$ 95,88 | US$ 104,13 | US$ 4.904,13 |
| 2 | US$ 200,00 | US$ 97,87 | US$ 102,13 | US$ 4.806,25 |
| 3 | US$ 200,00 | US$ 99,91 | US$ 100,09 | US$ 4.706,34 |
| 4 | US$ 200,00 | US$ 101,99 | US$ 98,01 | US$ 4.604,35 |
| 5 | US$ 200,00 | US$ 104,11 | US$ 95,89 | US$ 4.500,24 |
| 6 | US$ 200,00 | US$ 106,28 | US$ 93,72 | US$ 4.393,96 |
| 7 | US$ 200,00 | US$ 108,50 | US$ 91,50 | US$ 4.285,46 |
| 8 | US$ 200,00 | US$ 110,76 | US$ 89,24 | US$ 4.174,71 |
| 9 | US$ 200,00 | US$ 113,06 | US$ 86,94 | US$ 4.061,64 |
| 10 | US$ 200,00 | US$ 115,42 | US$ 84,58 | US$ 3.946,23 |
| 11 | US$ 200,00 | US$ 117,82 | US$ 82,18 | US$ 3.828,41 |
| 12 | US$ 200,00 | US$ 120,27 | US$ 79,73 | US$ 3.708,13 |
| 13 | US$ 200,00 | US$ 122,78 | US$ 77,22 | US$ 3.585,36 |
| 14 | US$ 200,00 | US$ 125,33 | US$ 74,67 | US$ 3.460,02 |
| 15 | US$ 200,00 | US$ 127,95 | US$ 72,05 | US$ 3.332,08 |
| 16 | US$ 200,00 | US$ 130,61 | US$ 69,39 | US$ 3.201,47 |
| 17 | US$ 200,00 | US$ 133,33 | US$ 66,67 | US$ 3.068,14 |
| 18 | US$ 200,00 | US$ 136,11 | US$ 63,89 | US$ 2.932,03 |
| 19 | US$ 200,00 | US$ 138,94 | US$ 61,06 | US$ 2.793,09 |
| 20 | US$ 200,00 | US$ 141,83 | US$ 58,17 | US$ 2.651,26 |
| 21 | US$ 200,00 | US$ 144,79 | US$ 55,21 | US$ 2.506,47 |
| 22 | US$ 200,00 | US$ 147,80 | US$ 52,20 | US$ 2.358,67 |
| 23 | US$ 200,00 | US$ 150,88 | US$ 49,12 | US$ 2.207,79 |
| 24 | US$ 200,00 | US$ 154,02 | US$ 45,98 | US$ 2.053,76 |
| 25 | US$ 200,00 | US$ 157,23 | US$ 42,77 | US$ 1.896,53 |
| 26 | US$ 200,00 | US$ 160,50 | US$ 39,50 | US$ 1.736,03 |
| 27 | US$ 200,00 | US$ 163,85 | US$ 36,15 | US$ 1.572,18 |
| 28 | US$ 200,00 | US$ 167,26 | US$ 32,74 | US$ 1.404,92 |
| 29 | US$ 200,00 | US$ 170,74 | US$ 29,26 | US$ 1.234,18 |
| 30 | US$ 200,00 | US$ 174,30 | US$ 25,70 | US$ 1.059,88 |
| 31 | US$ 200,00 | US$ 177,93 | US$ 22,07 | US$ 881,95 |
| 32 | US$ 200,00 | US$ 181,63 | US$ 18,37 | US$ 700,32 |
| 33 | US$ 200,00 | US$ 185,42 | US$ 14,58 | US$ 514,90 |
| 34 | US$ 200,00 | US$ 189,28 | US$ 10,72 | US$ 325,63 |
| 35 | US$ 200,00 | US$ 193,22 | US$ 6,78 | US$ 132,41 |
| 36 | US$ 135,16 | US$ 132,41 | US$ 2,76 | US$ 0,00 |
Credit Card Payoff: Complete Guide
Cost of Minimum Payments
Minimum payments on $5K at 25% APR takes 30+ years and $12K+ in interest. More than double the original balance.
Payoff Strategies
Avalanche method (highest rate first) saves the most. Snowball method (smallest balance first) provides psychological wins. Balance transfers offer 0% intro periods.
Understanding APR
Credit card APR compounds daily. 24.99% APR means 0.0684% daily interest, making debt grow quickly.
Practical Example
$5,000 at 24.99% APR
Minimum only: 26 years, $11,500+ interest.
$250/month: 24 months, $1,382 interest.
$500/month: 12 months, $672 interest. Doubling payment saves $700+.
Perguntas Frequentes
What if I only make minimum payments?
You will pay dramatically more interest and take decades to pay off. Always pay more than minimum.
Should I get a balance transfer?
If you can pay off during the 0% intro period (12-21 months), it saves hundreds. Watch for 3-5% transfer fees.
Large vs multiple small payments?
Paying early reduces your average daily balance, saving money. Pay as soon as you have funds.
Good utilization rate?
Below 30% is acceptable. Below 10% is ideal for credit scores.
Can I negotiate my rate?
Yes. Call your issuer. Success rate ~70% with average 6 point reduction.
Estimativas. Consulte um profissional financeiro.
📚 Referências
- Consumer Financial Protection Bureau - Credit Card Payoff (consumerfinance.gov)
- Federal Reserve - Understanding Credit Card Interest (federalreserve.gov)