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A Credit Card Calculator is a financial tool designed to help users understand and manage their credit card payments, interest charges, and debt repayment strategies. Users input key information such as current balance, annual percentage rate (APR), monthly payment amount, and any additional fees. The calculator then provides detailed projections including total interest paid, payoff timeline, and the impact of making extra payments. Advanced versions may compare different repayment methods (minimum payments vs. fixed payments) or simulate balance transfers. This tool is essential for consumers to make informed decisions about credit card usage and debt management.