The flat amount of the amount of money that you are spending on your personal finances is often called the “fractional” amount. If you’re spending $100 per month on credit card debt, then you’re having to borrow $100 per month and have that debt forgiven in the future.
This is true. If you spend $100 on the first month and then borrow a $100 to pay off the debt, you can only pay off the $100 in the next month before paying it back to the credit card company.
This is a really good thing. It’s a good idea to have a limit on the currency you’re spending. In my opinion, you should only spend the currency limit. If you want to pay back everything that you spent, you can, but you should not be spending it for any other purpose.