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You spent $250 on your credit card. It has been 5 years and you have a 3.75% interest rate. How much interest do you owe?

User Macwadu
by
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1 Answer

3 votes

Answer:

about $51.47

Explanation:

You want the interest due on a credit card balance of $250 after 5 years if the rate is 3.75%.

Interest

Most credit cards compound interest monthly. For that case, the account balance will be ...

A = P(1 +r/12)^(12·t)

where annual rate r is compounded monthly for t years.

The interest due is the difference between the principal amount (P) and this balance amount.

I = $250((1 +0.0375/12)^(12·5) -1) ≈ $51.47

You owe $51.47 in interest.

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Additional comment

Most credit cards have a minimum monthly payment, and may charge a late fee for missed payments. In the US, the credit card rate is usually substantially higher than 3.75%, often between 10% and 30%. We consider this scenario to be unrealistic.

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User Therealprashant
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