#cc12-calc-root {
font-family: system-ui, -apple-system, BlinkMacSystemFont, ‘Inter’, sans-serif;
color: #0F172A;
line-height: 1.6;
max-width: 1000px;
margin: 0 auto;
}
#cc12-calc-root h1, #cc12-calc-root h2, #cc12-calc-root h3 {
font-weight: 700;
color: #0F172A;
margin-top: 1.5em;
margin-bottom: 0.5em;
}
#cc12-calc-root h1 {
font-size: 2.25rem;
line-height: 1.2;
}
#cc12-calc-root p {
margin-bottom: 1.25em;
}
#cc12-calc-root a {
color: #10B981;
text-decoration: underline;
text-decoration-color: rgba(16, 185, 129, 0.4);
text-underline-offset: 4px;
}
#cc12-calc-root a:hover {
text-decoration-color: #10B981;
}
#cc12-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;
}
#cc12-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);
}
#cc12-calc-root .slider-group {
margin-bottom: 24px;
max-width: 600px;
margin-left: auto;
margin-right: auto;
}
#cc12-calc-root .slider-header {
display: flex;
justify-content: space-between;
align-items: center;
margin-bottom: 12px;
font-weight: 600;
}
#cc12-calc-root .badge {
background: #F0FDF4;
border: 1px solid #BBF7D0;
color: #10B981;
padding: 4px 12px;
border-radius: 9999px;
font-size: 0.9rem;
font-weight: 700;
}
#cc12-calc-root input[type=range] {
width: 100%;
accent-color: #10B981;
height: 6px;
border-radius: 3px;
background: #E2E8F0;
outline: none;
-webkit-appearance: none;
}
#cc12-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);
}
#cc12-calc-root .comparison-cards {
display: grid;
grid-template-columns: repeat(3, 1fr);
gap: 20px;
margin-top: 32px;
}
@media (max-width: 767px) {
#cc12-calc-root .comparison-cards {
grid-template-columns: 1fr;
}
}
#cc12-calc-root .comp-card {
border-radius: 12px;
padding: 20px;
background: #F8FAFC;
border: 1px solid #E2E8F0;
position: relative;
overflow: hidden;
}
#cc12-calc-root .comp-card.plan-a {
border-left: 6px solid #EF4444;
}
#cc12-calc-root .comp-card.plan-b {
border-left: 6px solid #F59E0B;
}
#cc12-calc-root .comp-card.plan-c {
border-left: 6px solid #10B981;
background: #F0FDF4;
}
#cc12-calc-root .best-badge {
position: absolute;
top: 12px;
right: -24px;
background: #10B981;
color: white;
font-size: 0.7rem;
font-weight: bold;
padding: 4px 24px;
transform: rotate(45deg);
text-transform: uppercase;
}
#cc12-calc-root .card-title {
font-weight: 700;
margin-bottom: 16px;
font-size: 1.1rem;
}
#cc12-calc-root .card-stat {
margin-bottom: 12px;
}
#cc12-calc-root .card-stat-val {
font-size: 1.4rem;
font-weight: 800;
color: #0F172A;
}
#cc12-calc-root .card-stat-lbl {
font-size: 0.8rem;
color: #64748B;
text-transform: uppercase;
}
#cc12-calc-root .winner-banner {
background: linear-gradient(135deg, #0F172A 0%, #1E293B 100%);
color: white;
text-align: center;
padding: 24px;
border-radius: 12px;
margin: 24px 0;
font-size: 1.25rem;
font-weight: 600;
}
#cc12-calc-root .winner-banner span {
color: #10B981;
}
#cc12-calc-root .chart-container {
height: 200px;
width: 100%;
background: white;
padding: 12px;
border-radius: 8px;
margin-top: 24px;
}
#cc12-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;
}
#cc12-calc-root .hub-banner h3 {
margin: 0 0 8px 0;
color: white;
}
#cc12-calc-root .hub-banner p {
margin: 0;
color: #94A3B8;
}
#cc12-calc-root .hub-btn {
background: #10B981;
color: white;
padding: 12px 24px;
border-radius: 8px;
text-decoration: none;
font-weight: 600;
white-space: nowrap;
}
#cc12-calc-root .hub-btn:hover {
background: #059669;
}
@media (max-width: 600px) {
#cc12-calc-root .hub-banner {
flex-direction: column;
text-align: center;
gap: 16px;
}
}
#cc12-calc-root .static-table {
width: 100%;
border-collapse: collapse;
margin: 32px 0;
}
#cc12-calc-root .static-table th, #cc12-calc-root .static-table td {
padding: 12px 16px;
text-align: left;
border-bottom: 1px solid #E2E8F0;
}
#cc12-calc-root .static-table th {
background: #0F172A;
color: white;
font-weight: 600;
}
#cc12-calc-root .static-table tr:nth-child(even) {
background: #F8FAFC;
}
#cc12-calc-root .faq-section {
background: #F8FAFC;
padding: 32px;
border-radius: 16px;
margin-top: 48px;
}
#cc12-calc-root .faq-item {
margin-bottom: 24px;
}
#cc12-calc-root .faq-item:last-child {
margin-bottom: 0;
}
#cc12-calc-root .faq-item h3 {
margin-top: 0;
color: #0F172A;
}

/* Compact Modern Styling with Direct Manual Inputs & Ad Slots */
#cc12-calc-root .calc-box, #cc12-calc-root .calc-container, #cc12-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;
}
#cc12-calc-root .controls, #cc12-calc-root .controls-panel, #cc12-calc-root .calc-controls {
display: flex !important;
flex-direction: column !important;
gap: 12px !important;
}
#cc12-calc-root .control-card {
background: #F8FAFC !important;
border: 1px solid #E2E8F0 !important;
border-radius: 10px !important;
padding: 10px 14px !important;
margin-bottom: 0 !important;
}
#cc12-calc-root .control-header {
display: flex !important;
justify-content: space-between !important;
align-items: center !important;
margin-bottom: 6px !important;
}
#cc12-calc-root .control-label {
font-weight: 600 !important;
font-size: 13.5px !important;
color: #0F172A !important;
}
#cc12-calc-root .input-wrapper {
display: flex !important;
align-items: center !important;
gap: 6px !important;
}
#cc12-calc-root .currency-prefix {
font-weight: 700 !important;
color: #64748B !important;
font-size: 14px !important;
}
#cc12-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;
}
#cc12-calc-root .num-input:focus {
border-color: #10B981 !important;
box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.15) !important;
}
#cc12-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;
}
#cc12-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;
}
#cc12-calc-root .hero-stat {
font-size: 28px !important;
font-weight: 800 !important;
color: #10B981 !important;
margin: 4px 0 2px !important;
}
#cc12-calc-root .hero-stat .val {
font-size: 28px !important;
font-weight: 800 !important;
color: #10B981 !important;
}
#cc12-calc-root .hero-stat .lbl {
font-size: 12px !important;
color: #94A3B8 !important;
}
#cc12-calc-root .chart-container {
height: 160px !important;
margin-top: 10px !important;
}
#cc12-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;
}
#cc12-calc-root .hub-banner-content h3 {
color: white !important;
margin: 0 0 4px !important;
font-size: 15px !important;
}
#cc12-calc-root .hub-banner-content p {
color: #CBD5E1 !important;
margin: 0 !important;
font-size: 13px !important;
}
#cc12-calc-root .hub-banner a, #cc12-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;
}
#cc12-calc-root .hub-banner a:hover, #cc12-calc-root .hub-btn:hover {
background: #059669 !important;
}
#cc12-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 runCC12Calculator() {
const bal = parseFloat((document.getElementById(‘numCC12Bal’) ? document.getElementById(‘numCC12Bal’).value : document.getElementById(‘rangeCC12Bal’).value));
const apr = parseFloat((document.getElementById(‘numCC12Apr’) ? document.getElementById(‘numCC12Apr’).value : document.getElementById(‘rangeCC12Apr’).value));
const budget = parseFloat((document.getElementById(‘numCC12Budget’) ? document.getElementById(‘numCC12Budget’).value : document.getElementById(‘rangeCC12Budget’).value));

var b_CC12Bal = document.getElementById(‘valCC12Bal’); if (b_CC12Bal) { b_CC12Bal.innerText = ‘$’ + bal.toLocaleString(); }
var b_CC12Apr = document.getElementById(‘valCC12Apr’); if (b_CC12Apr) { b_CC12Apr.innerText = apr + ‘%’; }
var b_CC12Budget = document.getElementById(‘valCC12Budget’); if (b_CC12Budget) { b_CC12Budget.innerText = ‘$’ + budget + ‘/mo’; }

const monthlyRate = (apr / 100) / 12;

// Plan A: Minimum
let balA = bal;
let intA = 0;
let mosA = 0;
while (balA > 0) {
if (!(mosA < 360)) break;
mosA++;
let minPmt = Math.max(balA * 0.02, 25);
let intCharge = balA * monthlyRate;
intA += intCharge;
let prinPay = minPmt – intCharge;
if (prinPay < 0) prinPay = 0; // Negative amortization catch
if (balA 10) { mosA = 360; break; } } // prevent inf loop
}

// Plan B: Fixed Budget
let balB = bal;
let intB = 0;
let mosB = 0;
let bPossible = true;
if (budget 0) {
if (!(mosB < 360)) break;
mosB++;
let intCharge = balB * monthlyRate;
intB += intCharge;
let prinPay = budget – intCharge;
if (balB = 360) {
document.getElementById(‘resCC12PlanAInt’).innerText = ‘∞’;
document.getElementById(‘resCC12PlanATime’).innerText = ’30+ Yrs’;
} else {
document.getElementById(‘resCC12PlanAInt’).innerText = ‘$’ + Math.round(intA).toLocaleString();
let yrsA = Math.floor(mosA/12);
let remMosA = mosA % 12;
document.getElementById(‘resCC12PlanATime’).innerText = yrsA > 0 ? yrsA + ‘y ‘ + remMosA + ‘m’ : mosA + ‘ Mos’;
}

// Render Plan B
if (!bPossible) {
document.getElementById(‘resCC12PlanBInt’).innerText = ‘∞’;
document.getElementById(‘resCC12PlanBTime’).innerText = ‘Never’;
} else {
document.getElementById(‘resCC12PlanBInt’).innerText = ‘$’ + Math.round(intB).toLocaleString();
document.getElementById(‘resCC12PlanBTime’).innerText = mosB + ‘ Mos’;
}

// Render Plan C
document.getElementById(‘resCC12PlanCCost’).innerText = ‘$’ + Math.round(costC).toLocaleString();
document.getElementById(‘resCC12PlanCTime’).innerText = mosC + ‘ Mos’;

// Winner calculation vs Plan B
if (bPossible) {
let savedMoney = Math.max(0, intB – costC);
let savedTime = Math.max(0, mosB – mosC);
document.getElementById(‘resCC12Winner’).innerHTML = `Plan C saves $${Math.round(savedMoney).toLocaleString()} and eliminates debt ${savedTime} months sooner! (vs Plan B)`;
} else {
document.getElementById(‘resCC12Winner’).innerHTML = `Plan B budget too low! Plan C is the only way out, saving you from eternal debt.`;
}

// Chart
const ctx = document.getElementById(‘chartCC12’).getContext(‘2d’);
if (window.chartCC12 instanceof Chart) {
window.chartCC12.destroy();
}

window.chartCC12 = new Chart(ctx, {
type: ‘bar’,
data: {
labels: [‘Plan A (Interest)’, ‘Plan B (Interest)’, ‘Plan C (Fee)’],
datasets: [{
data: [mosA >= 360 ? intA : intA, bPossible ? intB : bal*2, costC],
backgroundColor: [‘#EF4444’, ‘#F59E0B’, ‘#10B981’],
borderRadius: 4
}]
},
options: {
responsive: true,
maintainAspectRatio: false,
plugins: {
legend: { display: false },
tooltip: {
callbacks: {
label: function(context) {
let label = context.dataset.label || ”;
if (label) {
label += ‘: ‘;
}
if (context.parsed.y !== null) {
label += new Intl.NumberFormat(‘en-US’, { style: ‘currency’, currency: ‘USD’ }).format(context.parsed.y);
}
return label;
}
}
}
},
scales: {
y: { beginAtZero: true, display: false },
x: { ticks: { font: {size: 11} } }
}
}
});
}
runCC12Calculator();

{
“@context”: “https://schema.org”,
“@type”: “FAQPage”,
“mainEntity”: [
{
“@type”: “Question”,
“name”: “Why does the minimum payment take so long?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Because the minimum payment is a percentage of your balance, it decreases as you pay down the debt. This means you are continually paying less principal each month, drawing out the timeline.”
}
},
{
“@type”: “Question”,
“name”: “What is assumed in Plan C?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Plan C assumes you transfer your balance to a card with a 0% introductory APR, pay a standard 3% balance transfer fee, and commit your entire designated budget to the debt each month.”
}
},
{
“@type”: “Question”,
“name”: “What if I cannot qualify for a balance transfer?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “If you don’t qualify, Plan B (a strict fixed budget) is your best alternative. By ignoring the minimum payment and paying a fixed, higher amount, you still avoid massive interest charges.”
}
}
]
}