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Worse, late payment may cause you to forfeit some or all of the rewards you've accumulated. By the time your account is 180 days late, i.e. you've missed six payments, the card issuer will typically charge-off the account, writing it off as a loss. The charge-off goes on your credit report and stays for seven years.
Credit card minimum payment calculator. How long will it take to pay off credit cards? Use this credit card minimum payment calculator to determine how long it will take to pay off credit cards if only the minimum payment is made. Enter the credit card information below and press view report to see the payoff details.