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It can take one to three business days for an online or phone payment to post to your credit card account and reflect in your available credit. How long should it take to pay off credit card debt? The rule of thumb for debt is that you should be able to create a strategy that allows you to pay back. This credit card payoff calculator helps determine how long it could take to pay off your full account balance and how much your monthly payments will be. The credit card payoff calculator helps you determine how long it will take you to pay off your credit card balance based on your monthly payment. Calculate how long it will take to pay off your credit card with the Discover Credit Card Interest Calculator.
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