Here is a great tool for anyone who is in credit card debt and trying to figure out how to get out.
The following is a calculator - you put in how much you owe and your interest rate and how much you are paying per month and it tells you how long it will take to get your balance down to zero. It's amazing how much faster you can get out of debt with just an extra $20 or $50 per month!
http://www.fcac-acfc.gc.ca/iTools-iO...lator-eng.aspx