Credit card debt can be amongst the most expensive form of credit you will ever buy into. To add to the problem of high interest rates most people make minimum payments to their cards, this is just what the credit card companies want you to do. Use the calculator below to see just how long it will take you using your minimum payments to repay your credit card balances. Remember this credit card calculator is assuming you never make a purchase with your credit card again, if you do continue to purchase then your payback date will be even more distant.