---
title: "Discussion on \"Why minimum payments take 19 years: simulating credit card payoff in JavaScript\" | Hashnode"
description: "Discussion on \"Why minimum payments take 19 years: simulating credit card payoff in JavaScript\". A month-by-month credit card simulation in about 20 lines of JavaScript, why there's no neat closed-form answer for minimum payments, and the edge cases (negative amortization, the last payment) that trip up naive code."
url: "https://hashnode.com/posts/why-minimum-payments-take-19-years-simulating-credit-card-payoff-in-javascript/6aec577f27cb13696c2a4a43"
---

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# [Why minimum payments take 19 years: simulating credit card payoff in JavaScript](https://calchubtools.hashnode.dev/why-minimum-payments-take-19-years-simulating-credit-card-payoff-in-javascript?utm_source=hashnode&utm_medium=feed)

A month-by-month credit card simulation in about 20 lines of JavaScript, why there's no neat closed-form answer for minimum payments, and the edge cases (negative amortization, the last payment) that trip up naive code.

6d ago · 5 min read · calchubtools.hashnode.dev  
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