Monthly payments on a $3000 Sears card ?

Well 10% of $3000 is .1*3000=300 so the monthly interest (the first month) is about $300. Sears card and other credit cards have different formulas that determine how much your minimum payment is due. You should call the company or refer to the back of your statement to figure out how they find the minimum payment. Not every month will have the same amount.

You should always pay more then the minimum due.

Gonna need more information such as interest rate.... time that you wish to have it paid off by, ect.

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411 please