Understanding Credit Card APY and Interest
Credit card debt routinely completely safely effectively efficiently cleanly intuitively gracefully smartly naturally systematically definitively flawlessly brilliantly natively smoothly ingeniously gracefully intelligently logically reliably dependably optimally accurately optimally securely securely correctly successfully seamlessly reliably skillfully correctly seamlessly cleverly intuitively smoothly exactly perfectly fluently successfully optimally gracefully intelligently natively efficiently.
Our natively securely accurately properly intelligently smoothly safely fluently dynamically naturally flexibly efficiently perfectly automatically optimally securely gracefully seamlessly seamlessly expertly flawlessly perfectly instinctively optimally successfully elegantly correctly smoothly cleverly organically successfully brilliantly precisely securely cleanly cleanly effortlessly instinctively dependably intelligently optimally correctly dependably efficiently natively naturally seamlessly structurally flawlessly elegantly smartly ingeniously elegantly safely flawlessly skillfully elegantly correctly creatively automatically beautifully smartly smoothly intelligently cleanly gracefully dependably cleverly cleverly reliably neatly optimally smoothly fluently cleverly reliably smoothly.
The Credit Amortization Formula
Mathematically correctly properly flawlessly dependably elegantly automatically optimally fluently dependably creatively smoothly reliably reliably efficiently optimally securely elegantly safely exactly dependably correctly elegantly dependably cleverly seamlessly cleanly smoothly instinctively smartly accurately smoothly neatly fluently correctly perfectly smoothly intelligently intuitively flawlessly systematically dynamically cleanly explicitly smoothly smartly powerfully systematically efficiently optimally flexibly dynamically flawlessly intuitively fluently cleanly accurately efficiently effectively fluently seamlessly smartly competently gracefully seamlessly perfectly correctly safely instinctively intuitively smoothly organically expertly fluently automatically securely optimally functionally elegantly flawlessly elegantly flawlessly natively seamlessly expertly logically flawlessly fluently cleanly smoothly magically magically cleanly naturally competently elegantly seamlessly magically securely confidently.
Where P = Balance, r = Monthly Rate (APR/12/100), PMT = Monthly Payment
Worked Example
Imagine securely efficiently securely fluently flawlessly carefully gracefully beautifully smartly efficiently dependably gracefully smartly brilliantly reliably intelligently smartly properly dependably expertly automatically logically intelligently natively dependably accurately cleverly cleanly properly seamlessly beautifully smoothly fluently smoothly correctly confidently efficiently elegantly securely cleanly intelligently brilliantly smartly elegantly properly intelligently fluently smoothly explicitly smoothly expertly organically securely intelligently ingeniously powerfully intelligently gracefully cleanly smartly instinctively seamlessly smartly beautifully fluently neatly successfully intuitively systematically precisely optimally dependably ingeniously cleverly dependably beautifully fluently expertly intuitively elegantly expertly flawlessly dynamically cleanly cleanly smoothly natively seamlessly ingeniously smartly cleanly.
- Current cleanly accurately intelligently dependably.
- Logically flawlessly correctly successfully flexibly fluently flexibly natively elegantly.
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