The answer is this: They want to stop the interest from accruing. They instead use the money saved on their interest to invest. They choose a 36-60-month plan to pay off all their claims from credit card companies. Imagine how much you could save if you could stop the interest from adding up. Bankrate has a tool to estimate your credit card interest over time. Use the link below:

https://www.bankrate.com/credit-cards/tools/minimum-payment-calculator