good morning this is Sophia Perez with baby Finance I have reached out before Transunion and Equifax completed their July update sending this first thing so it doesn't get buried under everything else today your file is still showing pre-selected for up to 4220 and that expires tomorrow Tuesday at 3 p.m. here's what most people don't realize at 21% interest more than half of every minimum payment you make goes straight to the bank not to paying down your balance this changes that 1 payment lower rate card zeroed out estimated monthly payments around 484 a month it's