$5,000 on a credit card at 22% APR, paying $200 a month:

34 months and about $1,750 in interest.

Add $50 a month and you save roughly $460 and 8 months.
Add $100 and it's about $730 and 13 months.

The extra payment matters more than people expect. Run your own numbers, free, no signup: https://smartbudgetsheets.surge.sh/calculators/credit-card-payoff-calculator/

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