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It's meant to jolt borrowers from the complacency of debt: A new credit card statement that spells out the price of making only minimum payments. Yet the shock factor may be lost on the growing number of cardholders who bank online and no longer check their paper statements. As part of the credit card law that went into effect Monday, banks are now required to present some jarring math. Namely, how much you need to pay each month to wipe your balance clean within three years, and how long it would take to be debt-free if...