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For the credit card calculators, the interest rate to be entered is always the APR%, even if the website asks for just the interest rate.

For the credit card calculators, the interest rate to be entered is always the APR%, even if the website asks for just the interest rate. You can always check the results by finding a website that does ask specifically for the APR%. Be willing to search multiple sites to find and confirm your results. Once you have opened a website, enter in the following information: Payoff/current balance: $10,000 Interest rate (APR%): 18% Minimum/monthly payment: $200 Choose the answers that are closest to your online calculations. How many months will it take to pay off the balance?

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