Loan Information Card balance? $ Interest rate? % Monthly charges? $ Monthly payment? $ Printer-friendly version Credit Card Payoff Summary Monthly Payment Total Interest Months to Pay Off Chart Table Submit The length of time it will take to pay off a credit card is driven by the interest rate you are paying on the outstanding balance, how much you continue to use the card, and how much you pay monthly. You should be paying at least the minimum payment amount each month and increase that amount when you can do so. See how you can shorten the time it takes to pay off your balance by increasing your monthly payments.