this.CC_RATE[this.CC_SORT_ORDER[I]]){var s=this.CC_SORT_ORDER[I-1];this.CC_SORT_ORDER[I-1]=this.CC_SORT_ORDER[I];this.CC_SORT_ORDER[I]=s}}}for(var N=P-1;N>=0;N--){for(var I=1;I0&&this.CC_BALANCE_REMAINING[this.CC_SORT_ORDER[I]]>0&&this.CC_RATE[this.CC_SORT_ORDER[I]]this.CC_OPTIMIZED[this.CC_SORT_ORDER[N]]){L=this.CC_OPTIMIZED[this.CC_SORT_ORDER[N]]}this.CC_BALANCE_REMAINING[this.CC_SORT_ORDER[I]]-=L;this.CC_OPTIMIZED[this.CC_SORT_ORDER[I]]+=L;this.CC_OPTIMIZED[this.CC_SORT_ORDER[N]]-=L;K+=KJE.replace("RATE_TERM",KJE.number(this.CC_RATE_TERM[this.CC_SORT_ORDER[I]],0),KJE.replace("RATE2_TO",KJE.percent(this.CC_RATE2[this.CC_SORT_ORDER[I]]/100,2),KJE.replace("RATE_TO",KJE.percent(this.CC_RATE[this.CC_SORT_ORDER[I]]/100,2),KJE.replace("CREDIT_CARD_TO",(this.CC_SORT_ORDER[I]==(P-1)?this.NC_NAME:this.MSG_CREDIT_CARD+" "+(this.CC_SORT_ORDER[I]+1)),KJE.replace("RATE_FROM",KJE.percent(this.CC_RATE[this.CC_SORT_ORDER[N]]/100,2),KJE.replace("CREDIT_CARD_FROM",(this.CC_SORT_ORDER[N]==(P-1)?this.NC_NAME:this.MSG_CREDIT_CARD+" "+(this.CC_SORT_ORDER[N]+1)),KJE.replace("CALC_AMOUNT1",KJE.dollars(L),this.CC_RATE_TERM[this.CC_SORT_ORDER[I]]==0?this.MSG_TRANSFER_TEXT1:this.MSG_TRANSFER_TEXT3)))))))}}}for(var N=0;N0||this.CC_OPTIMIZED[N]>0){b+="
"+KJE.replace("INTEREST_RATE",KJE.percent(this.CC_RATE[N]/100,2),KJE.replace("RATE_TERM",KJE.number(this.CC_RATE_TERM[N],0),KJE.replace("RATE2_TO",KJE.percent(this.CC_RATE2[N]/100,2),KJE.replace("CREDIT_CARD",(N==(P-1)?this.NC_NAME:this.MSG_CREDIT_CARD+" "+(N+1)),this.CC_RATE_TERM[N]==0?this.MSG_TRANSFER_TEXT2:this.MSG_TRANSFER_TEXT4))))+" | "+KJE.dollars(this.CC_BALANCE[N])+" | "+KJE.dollars(this.CC_PAYMENT[N])+" | "+KJE.dollars(this.CC_OPTIMIZED[N])+" | "+KJE.dollars(this.CCPayment(true,this.CC_OPTIMIZED[N],0))+" |
"}}if(K==("")){K=""+this.MSG_ALREADY_OPTIMAL+"
"}else{K=""+K+"
"}if(f>0&&r>0){f=(f/100)/r}else{f=0}this.NEW_MONTHLY_PAYMENT=x;for(var N=0;N0&&r>0){this.CC_OPTIMIZED_RATE=(this.CC_OPTIMIZED_RATE/100)/r}else{this.CC_OPTIMIZED_RATE=0}this.CC_OPTIMIZED_BALANCE=r;var g=Math.round(362);var O=0;this.DR_BALANCE=KJE.FloatArray(g);this.DR_PRINCIPAL=KJE.FloatArray(g);this.DR_INTEREST=KJE.FloatArray(g);this.DR_PAYMENT=KJE.FloatArray(g);this.DR_NEW_PAYMENT=KJE.FloatArray(g);this.DR_NEW_BALANCE=KJE.FloatArray(g);this.DR_NEW_PRINCIPAL=KJE.FloatArray(g);this.DR_NEW_INTEREST=KJE.FloatArray(g);var o=0;var m=0;var B=r;var F=r;var z=0;var h=0;var t=0;var v=0;var c=0;var e=this.ccBal;var a=this.ccBalOptimize;for(N=0;(N<362&&(B>0||F>0));N++){B=0;F=0;for(var J=0;J
0){if(N==0){e[J]=this.CC_BALANCE[J]}t=e[J]*((this.CC_RATE_TERM[J]>N?this.CC_RATE2[J]:this.CC_RATE[J])/1200);v=this.CCPayment(true,e[J],this.CC_PAYMENT[J]);c=v-t;if(c>e[J]){v=e[J]+t;c=e[J]}o+=t;e[J]-=c;if(N0){if(N==0){a[J]=this.CC_OPTIMIZED[J]}t=a[J]*((this.CC_RATE_TERM[J]>N?this.CC_RATE2[J]:this.CC_RATE[J])/1200);v=this.CCPayment(true,a[J],this.CC_PAYMENT[J]);c=v-t;if(c>a[J]){v=a[J]+t;c=a[J]}A+=v;m+=t;a[J]-=c;if(Nh?z:h);var p=Math.floor(g/12+1);if(g>=120){p=12}var k=Math.floor(g/p)+1;this.cats=KJE.FloatArray(k);this.DS_BALANCE=KJE.FloatArray(k);this.DS_NEW_BALANCE=KJE.FloatArray(k);this.cats[I]="0";this.DS_BALANCE[I]=(r);this.DS_NEW_BALANCE[I++]=(r);var l=0;var w=0;var H=0;var q=0;for(N=1;N<=g;N++){O=N-1;if(N%p==0){this.cats[I]=""+(g<120?I*p:I);this.DS_BALANCE[I]=((this.DR_BALANCE[O]));this.DS_NEW_BALANCE[I++]=((this.DR_NEW_BALANCE[O]))}if(M){l+=this.DR_NEW_PAYMENT[O]-this.DR_NEW_PRINCIPAL[O];w+=this.DR_NEW_PAYMENT[O];H+=this.DR_PAYMENT[O]-this.DR_PRINCIPAL[O];q+=this.DR_PAYMENT[O];if((N%12)==0||N==g){E.addRepeat((Math.floor((N+11)/12)),KJE.dollars(q),KJE.dollars(H),KJE.dollars(this.DR_BALANCE[O]),KJE.dollars(w),KJE.dollars(l),KJE.dollars(this.DR_NEW_BALANCE[O]));l=0;w=0;H=0;q=0}}}this.CC_MONTHLY_PAYMENT=x;this.CC_AVERAGE_RATE=f;this.CC_OPTIMIZED_RATE=C;this.CC_OUTSTANDING_BALANCE=r;this.INTEREST_CURRENT=o;this.INTEREST_NEW=m;this.CURRENT_PAYOFF_MONTHS=G;this.CC_CREDIT_LIMIT=j;this.CREDIT_CARD_DETAILS=b;this.CREDIT_CARD_TRANSFERS=K};KJE.CardOptimizerCalc.prototype.formatReport=function(b){var c=KJE;var a=this.iDecimal;var d=b;d=KJE.replace("CC_OUTSTANDING_BALANCE",c.dollars(this.CC_OUTSTANDING_BALANCE),d);d=KJE.replace("CC_MONTHLY_PAYMENT",c.dollars(this.CC_MONTHLY_PAYMENT),d);d=KJE.replace("CC_AVERAGE_RATE",c.percent(this.CC_AVERAGE_RATE,2),d);d=KJE.replace("CC_CREDIT_LIMIT",c.dollars(this.CC_CREDIT_LIMIT),d);d=KJE.replace("CC_OPTIMIZED_BALANCE",c.dollars(this.CC_OPTIMIZED_BALANCE),d);d=KJE.replace("CREDIT_CARD_TRANSFERS",this.CREDIT_CARD_TRANSFERS,d);d=KJE.replace("NEW_MONTHLY_PAYMENT",c.dollars(this.NEW_MONTHLY_PAYMENT),d);d=KJE.replace("CURRENT_PAYOFF",this.CURRENT_PAYOFF,d);d=KJE.replace("NEW_PAYOFF",this.NEW_PAYOFF,d);d=KJE.replace("INTEREST_CURRENT",c.dollars(this.INTEREST_CURRENT),d);d=KJE.replace("INTEREST_NEW",c.dollars(this.INTEREST_NEW),d);d=KJE.replace("INTEREST_SAVINGS",c.dollars(this.INTEREST_CURRENT-this.INTEREST_NEW),d);d=KJE.replace("",this.CREDIT_CARD_DETAILS,d);d=KJE.replace("CREDIT_CARD_DETAILS",this.CREDIT_CARD_DETAILS,d);d=d.replace("**REPEATING GROUP**",this.sSchedule.getRepeat());this.sSchedule.clearRepeat();return d};KJE.CardOptimizerCalc.prototype.CCPayment=function(b,c,d){if(c<=0){return 0}var a=c*KJE.CardOptimizerCalc.CC_MIN_PAYMENT_PERCENT;if(b){a=(a1){KJE.addDropper(new KJE.Dropper("INPUTS1",false,p,p),KJE.colorList[0])}if(q.CC_COUNT>2){KJE.addDropper(new KJE.Dropper("INPUTS2",false,o,o),KJE.colorList[0])}if(q.CC_COUNT>3){KJE.addDropper(new KJE.Dropper("INPUTS3",false,m,m),KJE.colorList[0])}if(q.CC_COUNT>4){KJE.addDropper(new KJE.Dropper("INPUTS4",false,k,k),KJE.colorList[0])}if(q.CC_COUNT>5){KJE.addDropper(new KJE.Dropper("INPUTS5",false,j,j),KJE.colorList[0])}};KJE.CardOptimizer.prototype.setValues=function(b){var a=KJE.inputs.items;for(var c=0;cInput information:
**GRAPH1** ";KJE.DefinitionText=" BalanceYour current balance on your credit card.
Interest rateThe annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
PaymentThis is your initial minimum monthly payment. We calculate your minimum monthly as 2% of your current outstanding balance or $25 whichever is more. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments. New credit card rateThe annual percentage rate you will pay on the KH Network Credit Union VISA Platinum. ";KJE.ReportText=' You owe a total of CC_OUTSTANDING_BALANCE. Your current minimum monthly payment is CC_MONTHLY_PAYMENT. If you continue to make the minimum payments it will take you CURRENT_PAYOFF to pay off this debt. The total interest paid will be INTEREST_CURRENT. By optimizing your credit cards you could save INTEREST_SAVINGS in interest. It will take you NEW_PAYOFF to pay off your optimized credit card balances. **GRAPH** The following is a list of credit card transfers that are recommended to create optimal balances on your accounts: CREDIT_CARD_TRANSFERS Your resulting credit card balances are summarized below:
Totals | CC_OUTSTANDING_BALANCE | CC_MONTHLY_PAYMENT* | CC_OUTSTANDING_BALANCE | NEW_MONTHLY_PAYMENT* |
---|
*We calculate your minimum monthly as 2% of your current outstanding balance or $25 which ever is more. Your minimum payment will decrease as your credit card balance decreases.
**REPEATING GROUP** ';