Fill out the calculator form, then click "calculate" to start comparing different debt payment scenarios. Note that you can either select the number of years to pay the debt off, or you can select the desired monthly payment. When you are done generating values, click on the rows under the "Compare" heading to change their color. That way, you can group your options together for easy viewing.

Compare Scenarios:

Your different scenarios will display here each time you hit the "Calculate" button above.

Calculator script by Good-Credit-Bad-Credit.info

Want to guess what your credit score is?

Here are some hints to let you know what your score probably is and what type of cards you should apply for:

If you are under 21, even if you have never had debt before, you will not be able to get accepted for certain cards, unless you have three years of great credit history. Apply for cards in the "fair credit" range. If this applies to you,

here

If you are over 21, and have had perfect credit since you were 18, have made no delinquent payments, and have never had a bankruptcy or charge off, you should apply for a card for people with “good” or “excellent” credit score range. There are many great rewards here for you.

If you have bad credit, you may want to apply for prepaid cards. There is no credit check to get these cards. Also, they start building your score once you use them and help you regain your good credit status, so eventually you can apply for other types of cards. Apply here if you would rather get a card for people with poor credit. You can't get turned down; everyone gets accepted for these cards. Also, they start re-building credit quickly.