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Definitions
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| Current balance |
Current outstanding balance on your credit card. |
| Payoff goal (in months) |
Your goal for paying off this credit card. This is the number of
months by which you would like to have completely paid off this credit
card balance.
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| Current monthly payment |
The amount your are currently paying per month on this credit card.
Please enter the amount you actually pay, not the minimum payment. This
amount is used to calculate how long it will take you to pay off your
balance.
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| New charges per month |
Total new charges you expect to put on this credit card per month.
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| Interest rate (APR) |
The annual percentage rate for this credit card.
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| Annual fee |
Your annual fee for this credit card.
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| Major purchase |
If you expect a major purchase beyond your normal charges, enter the
amount to be spent here.
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| Months from now |
Number of months before your major purchase will occur.
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Credit Counseling Services - What We Do
At Family Credit Management Service, we offer comprehensive credit counseling services, including expertly trained credit counselors to advise you on managing your money and debts, help with developing a budget, and free educational materials and workshops. Our debt management services provide immediate help to those who are in a financial crisis and a long term plan for debt free living. If you need professional help with debt, call 1-800-994-3328 or apply online to get started using our credit counseling services.
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Information and interactive calculators are made available to you as self-help tools for your
independent use. We can not and do not guarantee their accuracy or their
applicability to your circumstances. We encourage you to seek personalized
advice from qualified professionals regarding all personal finance
issues.
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