Warning: minimum payment doesn't cover interest

When you enter a debt in Credit Shield (Step 2), Payday Audit compares the minimum payment to the monthly interest accrual (balance × APR ÷ 12). If the minimum is smaller, the app flashes a warning: you are in an infinite-debt scenario. The balance grows every month even when you pay on time.

How the app handles it

Debt Destroyer (Step 9) refuses to project a debt-free date for an underwater debt, because there isn't one. It will surface the debt as a "must fix" item and recommend you allocate extra dollars to it immediately, regardless of snowball or avalanche priority.

What you should do

1. Double-check the inputs. A typo in balance, rate, or minimum is the most common cause of a false warning.
2. Increase the minimum payment in Credit Shield to at least cover interest plus a small principal chip.
3. Call the lender. Ask about hardship programs, rate reduction, or a minimum payment recalculation. Most issuers have formal programs.
4. Consider a balance transfer or consolidation loan at a lower rate, only if the math genuinely beats the current debt.