Elimina Tus Deudas de Tarjetas de Crédito Para Siempre
Las tarjetas de crédito son la deuda más cara. Aprende a eliminarlas rápidamente y ahorra miles en intereses.
Crear Plan de PagoPor Qué las Tarjetas de Crédito Son Peligrosas
Interés Compuesto Diario
El interés se calcula diariamente sobre tu saldo. Cada día que no pagas, la deuda crece exponencialmente.
Pagos Mínimos Trampa
Los pagos mínimos (2-3%) apenas cubren intereses. Una deuda de $5,000 toma 22 años en pagarse.
Tasas Altísimas
Tasas de 18-29% APR son comunes. Esto es 10-20 veces más que una hipoteca o préstamo auto.
Estrategias para Pagar Tarjetas de Crédito
🔥 Estrategias de Alto Impacto
Mueve deuda a tarjeta con 0% APR por 12-21 meses. Paga sin intereses.
Paga primero la tarjeta con mayor APR. Minimiza interés total.
Préstamo personal 6-15% APR para pagar tarjetas 20%+ APR.
💡 Tácticas Adicionales
Paga la mitad cada 2 semanas = 26 pagos = 13 meses de pagos.
Destruye físicamente las tarjetas para evitar tentación de usarlas.
Trabajo extra, venta de artículos, freelancing para pagos adicionales.
Calculadora Pago Tarjetas de Crédito
Break Free from Debt Faster Than You Think
Debt can feel overwhelming, but with the right strategy and tools, you can become debt-free faster than you might think. Our debt payoff calculator shows you exactly how long it will take to eliminate your debt and how much interest you'll pay. More importantly, it reveals how small changes to your payment strategy can save you thousands of dollars and years of payments.
The average American carries over $6,500 in credit card debt at interest rates averaging 22%. At minimum payments, this can take over 30 years to pay off, with interest charges exceeding the original debt. But there's hope – with strategic payments and the right approach, you can break this cycle and achieve financial freedom.
Why Every Dollar Extra Matters
- •Compound Savings: Extra payments reduce principal faster, saving exponential interest
- •Momentum Building: Seeing progress motivates continued aggressive payments
- •Credit Score Boost: Lower balances improve utilization ratios and creditworthiness
- •Psychological Freedom: Less debt means less stress and more life options
This calculator helps you visualize different payoff strategies and their impact. Whether you're tackling credit cards, student loans, or personal debt, understanding the numbers empowers you to make informed decisions and stay motivated on your journey to financial independence.
🚀 calculators.debt.form.debtPayoffStrategies
Debt Payoff Calculators by Type
8 options available
For Planning Purposes Only — These calculations are estimates for educational and planning purposes. Always consult with qualified financial professionals before making financial decisions.