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It could take you over 18 years – and at least $31,000 in interest payments – to pay off a $10,000 debt on a card with a 19% rate, if you only pay the monthly minimum.

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Disclaimer: Debt Shield, Inc. doesn't proffer investment, tax or legal advice. In addition, Debt Shield, Inc. is a debt settlement company, not a credit repair or consumer credit counseling company. Debt Shield, Inc. does not provide services or assistance repairing, modifying, improving, extending or correcting credit entries or credit reporting.