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If you choose to only pay the minimum payment on a credit card each month you will not see the balance move to significantly. Not only will it take more time to pay off your debt, but the finance charges on your unpaid balances will increase the total amount of your original debt. If you were to charge $4000 on a 17% interest rate card and only make the minimum payments and charge nothing else, it could take you up to 23 years to repay your debt. So if you can afford to pay more than the minimum payment do that. It will help to reduce your outstanding balance sooner.