<prompt> Human: How can I calculate, or at least get a rough estimate of how much I will actually be paying using my credit card? I want to make a 250 purchase with a 25 APR. Does this mean after one year of non-payment my balance would be 312.50? How does this factor month to month? I was planning on repaying the 250 in 1-2 months. Ive never used my credit card before.  <response>: You should never be paying interest barring emergencies, pay off your statement balance each month. 