Paraphrase this:

for credit cards, minimum monthly payments are usually based on a ten-year payment schedule , and interest is charged on interest , month after month. this is the way compound interest works against you.

the compound interest for credit cards in minimum monthly payments are usually based on a ten-year payment schedule, and interest is charged on interest every month after month.

i have noidea i just need more time so i can do a test

a

explanation:

because i the point in view is between characters