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As {each|every|each and every|every single|just about every|each individual} {credit card|charge card|bank card|plastic card|debit card|credit-based card} {is paid|pays} {down|lower|straight down|along|all the way down|decrease}, {calculate|determine|compute|estimate|assess|evaluate} {the difference|the main difference|the real difference|the gap|the visible difference|a real difference} {in total|as a whole|altogether|in whole|overall|in one payemnt} {monthly|month-to-month|month to month|regular monthly|regular|per month} {outlay|expense|cost|expenditure|spend|pay out}, {were you|had you been|have you been} {to have|to possess|to get|to own|to obtain|to acquire} only {made|created|produced|manufactured|built|designed} the {minimum|minimal|bare minimum|lowest|minimum amount|the bare minimum} {payment|repayment|transaction|settlement|cost|fee}. {Add|Include|Increase|Create|Put|Bring} these {amounts to|comes down to|comes from|depends upon|is} your {initial|preliminary|original|first|1st|very first} {additional|extra|further|added|more|supplemental} {$|Dollar|Money|Bucks|Buck|Usd}100 {per month|monthly|each month|a month|every month|per 30 days} {excess|extra|excessive|surplus|unwanted|too much} {payment|repayment|transaction|settlement|cost|fee}. {For example|For instance|As an example|By way of example|One example is|Such as}, {if your|in case your|if the|should your|when your|but if your} {original|unique|authentic|initial|first|primary} {minimum|minimal|bare minimum|lowest|minimum amount|the bare minimum} {payment|repayment|transaction|settlement|cost|fee} on {card|greeting card|credit card|minute card|cards|unit card} {#|Number}1 was {$|Dollar|Money|Bucks|Buck|Usd}200. {The result is|It makes sense|It's wise|It feels right|It seems sensible|The outcome is} a {quicker|faster|more rapidly|more quickly|speedier|a lot quicker} {reduction of|decrease in|lowering of} your {total|complete|overall|full|entire|whole} {credit card debt|credit debt|personal credit card debt|unsecured debt|consumer credit card debt|financial debt}, with {declining|decreasing|regressing|heading downward|suffering|weak} {accumulated|accrued|gathered|built up|amassed|acquired} {interest|curiosity|attention|awareness|fascination|desire} {and an|as well as an|plus an|with an|along with an|and a} {improved|enhanced|improved upon|increased|much better|superior} {credit rating|credit score|credit history|credit standing|credit ratings|credit ranking}. {Alternatively|On the other hand|Additionally|Otherwise|Conversely|However}, {you might|you may|you could|you could possibly|you would possibly|you can} {use the|make use of the|utilize the|utilize|makes use of the|take advantage of the} {$|Dollar|Money|Bucks|Buck|Usd}100 {gained|acquired|obtained|received|attained|accumulated} {by paying|if you are paying} {down|lower|straight down|along|all the way down|decrease} {a high|a higher|a top|an increased|a superior|a very high} {APR|Annual percentage rates|Interest rates|Apr interest rates|Interest rate|Rate} {credit card|charge card|bank card|plastic card|debit card|credit-based card} to {wipe out|eliminate|get rid of|obliterate|erase|destroy} some {cards|credit cards|charge cards|playing cards|greeting cards|handmade cards} with {smaller|smaller sized|more compact|scaled-down|small|lesser} {balances|amounts|account balances|bills|scales|levels out}. {For example|For instance|As an example|By way of example|One example is|Such as} {if you've got|if you have|if you|in the event you|when you have|should you have} a {department store|mall|department shop|variety store|shopping area|shop} {credit|credit score|credit rating|credit history|credit ratings|consumer credit} {with a|having a|using a|which has a|that has a|by using a} {$|Dollar|Money|Bucks|Buck|Usd}300 {balance|stability|harmony|equilibrium|sense of balance|steadiness}, {apply the|use the} {$|Dollar|Money|Bucks|Buck|Usd}100 {gained|acquired|obtained|received|attained|accumulated} {to that|to that particular|compared to that|fot it|to this|to the next} {department store|mall|department shop|variety store|shopping area|shop} {credit card|charge card|bank card|plastic card|debit card|credit-based card} {for three|for 3|for several} {months|several weeks|weeks|a few months|many weeks|many months}. 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