#cc10-calc-root {
font-family: system-ui, -apple-system, BlinkMacSystemFont, ‘Inter’, sans-serif;
color: #0F172A;
line-height: 1.6;
max-width: 1000px;
margin: 0 auto;
}
#cc10-calc-root h1, #cc10-calc-root h2, #cc10-calc-root h3 {
font-weight: 700;
color: #0F172A;
margin-top: 1.5em;
margin-bottom: 0.5em;
}
#cc10-calc-root h1 {
font-size: 2.25rem;
line-height: 1.2;
}
#cc10-calc-root p {
margin-bottom: 1.25em;
}
#cc10-calc-root a {
color: #10B981;
text-decoration: underline;
text-decoration-color: rgba(16, 185, 129, 0.4);
text-underline-offset: 4px;
}
#cc10-calc-root a:hover {
text-decoration-color: #10B981;
}
#cc10-calc-root .geo-box {
background: #F8FAFC;
border-left: 4px solid #10B981;
padding: 16px;
border-radius: 0 8px 8px 0;
margin-bottom: 32px;
font-size: 0.95rem;
}
#cc10-calc-root .calc-container {
background: #ffffff;
border: 1.5px solid #E2E8F0;
border-radius: 16px;
padding: 28px;
margin: 40px 0;
box-shadow: 0 4px 6px -1px rgba(0,0,0,0.05);
}
#cc10-calc-root .calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 32px;
}
@media (max-width: 767px) {
#cc10-calc-root .calc-grid {
grid-template-columns: 1fr;
}
}
#cc10-calc-root .slider-group {
margin-bottom: 24px;
}
#cc10-calc-root .slider-header {
display: flex;
justify-content: space-between;
align-items: center;
margin-bottom: 12px;
font-weight: 600;
}
#cc10-calc-root .badge {
background: #F0FDF4;
border: 1px solid #BBF7D0;
color: #10B981;
padding: 4px 12px;
border-radius: 9999px;
font-size: 0.9rem;
font-weight: 700;
}
#cc10-calc-root input[type=range] {
width: 100%;
accent-color: #10B981;
height: 6px;
border-radius: 3px;
background: #E2E8F0;
outline: none;
-webkit-appearance: none;
}
#cc10-calc-root input[type=range]::-webkit-slider-thumb {
-webkit-appearance: none;
width: 20px;
height: 20px;
border-radius: 50%;
background: #10B981;
cursor: pointer;
border: 2px solid #ffffff;
box-shadow: 0 1px 3px rgba(0,0,0,0.3);
}
#cc10-calc-root .results-panel {
background: linear-gradient(135deg, #0F172A 0%, #1E293B 100%);
color: white;
padding: 24px;
border-radius: 12px;
display: flex;
flex-direction: column;
}
#cc10-calc-root .hero-stat {
margin-bottom: 24px;
text-align: center;
}
#cc10-calc-root .hero-stat-label {
font-size: 0.9rem;
color: #94A3B8;
text-transform: uppercase;
letter-spacing: 0.05em;
margin-bottom: 4px;
}
#cc10-calc-root .hero-stat-value {
font-size: 2.5rem;
font-weight: 800;
color: #10B981;
}
#cc10-calc-root .sub-stat {
text-align: center;
margin-bottom: 24px;
}
#cc10-calc-root .sub-stat-label {
font-size: 0.8rem;
color: #94A3B8;
margin-bottom: 4px;
}
#cc10-calc-root .sub-stat-value {
font-size: 1.25rem;
font-weight: 700;
}
#cc10-calc-root .chart-container {
height: 200px;
width: 100%;
background: white;
padding: 12px;
border-radius: 8px;
margin-bottom: 16px;
}
#cc10-calc-root .table-wrapper {
max-height: 320px;
overflow-y: auto;
border: 1px solid #E2E8F0;
border-radius: 12px;
margin-top: 16px;
background: white;
}
#cc10-calc-root .table-wrapper table {
width: 100%;
border-collapse: collapse;
font-size: 13px;
color: #0F172A;
margin: 0;
}
#cc10-calc-root .table-wrapper th {
background: #0F172A;
color: white;
padding: 10px;
position: sticky;
top: 0;
z-index: 10;
text-align: left;
}
#cc10-calc-root .table-wrapper td {
padding: 8px 10px;
border-bottom: 1px solid #F1F5F9;
}
#cc10-calc-root .table-wrapper tr:nth-child(even) {
background: #F8FAFC;
}
#cc10-calc-root .hub-banner {
background: #0F172A;
color: white;
padding: 24px;
border-radius: 12px;
margin: 32px 0;
display: flex;
justify-content: space-between;
align-items: center;
}
#cc10-calc-root .hub-banner h3 {
margin: 0 0 8px 0;
color: white;
}
#cc10-calc-root .hub-banner p {
margin: 0;
color: #94A3B8;
}
#cc10-calc-root .hub-btn {
background: #10B981;
color: white;
padding: 12px 24px;
border-radius: 8px;
text-decoration: none;
font-weight: 600;
white-space: nowrap;
}
#cc10-calc-root .hub-btn:hover {
background: #059669;
}
@media (max-width: 600px) {
#cc10-calc-root .hub-banner {
flex-direction: column;
text-align: center;
gap: 16px;
}
}
#cc10-calc-root .static-table {
width: 100%;
border-collapse: collapse;
margin: 32px 0;
}
#cc10-calc-root .static-table th, #cc10-calc-root .static-table td {
padding: 12px 16px;
text-align: left;
border-bottom: 1px solid #E2E8F0;
}
#cc10-calc-root .static-table th {
background: #0F172A;
color: white;
font-weight: 600;
}
#cc10-calc-root .static-table tr:nth-child(even) {
background: #F8FAFC;
}
#cc10-calc-root .faq-section {
background: #F8FAFC;
padding: 32px;
border-radius: 16px;
margin-top: 48px;
}
#cc10-calc-root .faq-item {
margin-bottom: 24px;
}
#cc10-calc-root .faq-item:last-child {
margin-bottom: 0;
}
#cc10-calc-root .faq-item h3 {
margin-top: 0;
color: #0F172A;
}

/* Compact Modern Styling with Direct Manual Inputs & Ad Slots */
#cc10-calc-root .calc-box, #cc10-calc-root .calc-container, #cc10-calc-root .calc-grid {
background: #FFFFFF !important;
border: 1.5px solid #E2E8F0 !important;
border-radius: 14px !important;
padding: 18px !important;
margin-bottom: 16px !important;
box-shadow: 0 4px 12px -2px rgba(15, 23, 42, 0.05) !important;
}
#cc10-calc-root .controls, #cc10-calc-root .controls-panel, #cc10-calc-root .calc-controls {
display: flex !important;
flex-direction: column !important;
gap: 12px !important;
}
#cc10-calc-root .control-card {
background: #F8FAFC !important;
border: 1px solid #E2E8F0 !important;
border-radius: 10px !important;
padding: 10px 14px !important;
margin-bottom: 0 !important;
}
#cc10-calc-root .control-header {
display: flex !important;
justify-content: space-between !important;
align-items: center !important;
margin-bottom: 6px !important;
}
#cc10-calc-root .control-label {
font-weight: 600 !important;
font-size: 13.5px !important;
color: #0F172A !important;
}
#cc10-calc-root .input-wrapper {
display: flex !important;
align-items: center !important;
gap: 6px !important;
}
#cc10-calc-root .currency-prefix {
font-weight: 700 !important;
color: #64748B !important;
font-size: 14px !important;
}
#cc10-calc-root .num-input {
width: 105px !important;
padding: 5px 8px !important;
border: 1.5px solid #CBD5E1 !important;
border-radius: 6px !important;
font-size: 14px !important;
font-weight: 700 !important;
color: #0F172A !important;
background: #FFFFFF !important;
text-align: right !important;
outline: none !important;
}
#cc10-calc-root .num-input:focus {
border-color: #10B981 !important;
box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.15) !important;
}
#cc10-calc-root input[type=range] {
width: 100% !important;
accent-color: #10B981 !important;
height: 5px !important;
background: #E2E8F0 !important;
border-radius: 3px !important;
cursor: pointer !important;
outline: none !important;
margin-top: 4px !important;
}
#cc10-calc-root .results-panel {
background: linear-gradient(135deg, #0F172A 0%, #1E293B 100%) !important;
color: #FFFFFF !important;
border-radius: 12px !important;
padding: 16px !important;
text-align: center !important;
display: flex !important;
flex-direction: column !important;
justify-content: space-between !important;
}
#cc10-calc-root .hero-stat {
font-size: 28px !important;
font-weight: 800 !important;
color: #10B981 !important;
margin: 4px 0 2px !important;
}
#cc10-calc-root .hero-stat .val {
font-size: 28px !important;
font-weight: 800 !important;
color: #10B981 !important;
}
#cc10-calc-root .hero-stat .lbl {
font-size: 12px !important;
color: #94A3B8 !important;
}
#cc10-calc-root .chart-container {
height: 160px !important;
margin-top: 10px !important;
}
#cc10-calc-root .hub-banner {
background: #0F172A !important;
color: white !important;
padding: 14px 20px !important;
border-radius: 10px !important;
display: flex !important;
align-items: center !important;
justify-content: space-between !important;
flex-wrap: wrap !important;
gap: 12px !important;
margin: 16px 0 !important;
border: 1px solid #1E293B !important;
}
#cc10-calc-root .hub-banner-content h3 {
color: white !important;
margin: 0 0 4px !important;
font-size: 15px !important;
}
#cc10-calc-root .hub-banner-content p {
color: #CBD5E1 !important;
margin: 0 !important;
font-size: 13px !important;
}
#cc10-calc-root .hub-banner a, #cc10-calc-root .hub-btn {
display: inline-block !important;
background: #10B981 !important;
color: white !important;
padding: 8px 18px !important;
text-decoration: none !important;
border-radius: 6px !important;
font-weight: 600 !important;
font-size: 13px !important;
white-space: nowrap !important;
transition: background 0.2s !important;
}
#cc10-calc-root .hub-banner a:hover, #cc10-calc-root .hub-btn:hover {
background: #059669 !important;
}
#cc10-calc-root .ad-slot-placeholder {
display: flex !important;
align-items: center !important;
justify-content: center !important;
background: #F1F5F9 !important;
border: 1px dashed #CBD5E1 !important;
border-radius: 8px !important;
min-height: 90px !important;
margin: 16px 0 24px !important;
color: #94A3B8 !important;
font-size: 12px !important;
text-transform: uppercase !important;
letter-spacing: 0.05em !important;
}

function syncFromRange(key) {
var r = document.getElementById(‘range’ + key);
var n = document.getElementById(‘num’ + key);
if (r) { if (n) { n.value = r.value; } }
}
function syncFromNum(key) {
var r = document.getElementById(‘range’ + key);
var n = document.getElementById(‘num’ + key);
if (r) { if (n) { r.value = n.value; } }
}

function runCC10Calculator() {
const bal = parseFloat((document.getElementById(‘numCC10Bal’) ? document.getElementById(‘numCC10Bal’).value : document.getElementById(‘rangeCC10Bal’).value));
const apr = parseFloat((document.getElementById(‘numCC10Apr’) ? document.getElementById(‘numCC10Apr’).value : document.getElementById(‘rangeCC10Apr’).value));
const pmt = parseFloat((document.getElementById(‘numCC10Pmt’) ? document.getElementById(‘numCC10Pmt’).value : document.getElementById(‘rangeCC10Pmt’).value));

var b_CC10Bal = document.getElementById(‘valCC10Bal’); if (b_CC10Bal) { b_CC10Bal.innerText = ‘$’ + bal.toLocaleString(); }
var b_CC10Apr = document.getElementById(‘valCC10Apr’); if (b_CC10Apr) { b_CC10Apr.innerText = apr + ‘%’; }
var b_CC10Pmt = document.getElementById(‘valCC10Pmt’); if (b_CC10Pmt) { b_CC10Pmt.innerText = ‘$’ + pmt + ‘/mo’; }

let currentBal = bal;
let totalInt = 0;
let months = 0;
const monthlyRate = (apr / 100) / 12;

// Data for chart (first 12 months max)
const labels = [];
const intData = [];
const prinData = [];

// Table string
let tableHTML = ‘

if (pmt <= currentBal * monthlyRate) {
document.getElementById('resCC10Months').innerText = 'Never';
document.getElementById('resCC10Interest').innerText = '∞';
document.getElementById('cc10AmortTable').innerHTML = '

Payment must be greater than monthly interest to amortize.

‘;
if(window.chartCC10 instanceof Chart) window.chartCC10.destroy();
return;
}

while (currentBal > 0) {
if (!(months < 360)) break;
months++;
let startBal = currentBal;
let interestCharge = currentBal * monthlyRate;

let principalPay = pmt – interestCharge;
let actualPmt = pmt;

if (currentBal < principalPay) {
principalPay = currentBal;
actualPmt = currentBal + interestCharge;
}

currentBal -= principalPay;
totalInt += interestCharge;

if (months <= 12) {
labels.push('M' + months);
intData.push(interestCharge);
prinData.push(principalPay);
}

if (months <= 60) {
tableHTML += `

`;
} else if (months === 61) {
tableHTML += `

`;
}
}

tableHTML += ‘

‘;

document.getElementById(‘resCC10Months’).innerText = months + ‘ Months’;
document.getElementById(‘resCC10Interest’).innerText = ‘$’ + Math.round(totalInt).toLocaleString();
document.getElementById(‘cc10AmortTable’).innerHTML = tableHTML;

const ctx = document.getElementById(‘chartCC10’).getContext(‘2d’);
if (window.chartCC10 instanceof Chart) {
window.chartCC10.destroy();
}

window.chartCC10 = new Chart(ctx, {
type: ‘bar’,
data: {
labels: labels,
datasets: [
{
label: ‘Interest’,
data: intData,
backgroundColor: ‘#EF4444’
},
{
label: ‘Principal’,
data: prinData,
backgroundColor: ‘#10B981’
}
]
},
options: {
responsive: true,
maintainAspectRatio: false,
scales: {
x: { stacked: true, display: true },
y: { stacked: true, display: false }
},
plugins: {
legend: { display: true, position: ‘top’, labels: { boxWidth: 12, font: {size: 10} } }
}
}
});
}
runCC10Calculator();

{
“@context”: “https://schema.org”,
“@type”: “FAQPage”,
“mainEntity”: [
{
“@type”: “Question”,
“name”: “What is the difference between principal and interest?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “The principal is the actual amount you borrowed, while the interest is the fee the credit card company charges you for borrowing that money. Payments are always applied to interest first.”
}
},
{
“@type”: “Question”,
“name”: “Why does the interest charge decrease each month?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Interest is calculated based on your outstanding balance at the beginning of the billing cycle. As you pay down the principal, the balance shrinks, resulting in a lower interest charge.”
}
},
{
“@type”: “Question”,
“name”: “What happens if my payment is lower than the interest charge?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “If your payment is less than the monthly interest charge, you experience ‘negative amortization’. Your balance will increase every month.”
}
}
]
}