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Lower Interest Calculator

What is the balance on your current credit card? $
What is the interest rate (shown as APR on your credit card statement) of your current credit card? %
What is the interest rate (APR) of the credit card you may apply for?   %
For what period of time would you like to see savings with the new credit card?  
You could save $  by using the new credit card over the time period you chose.
Show How to use Calculator

Enter your current credit card balance, then the interest rate of the credit card you have now and the interest rate on the new card for which you are considering applying. Finally, choose the time period for which you want to see your potential savings and hit "Calculate" for the total. (Remember that this calculator does not include any credit card purchases you might make in the future, only the amount you could save on interest charges given your current balance.) 

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*Disclaimer: Savings vary depending on account usage and payment behavior.
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How we calculate savings: Our algorithm factors in the introductory balance transfer rate, length of the introductory period, balance transfer fee, ongoing interest rate, annual fee and data entered into the filter in order calculate savings and the time needed to pay off a balance. The algorithm is designed to yield reasonably accurate results.