12. Chris has a $5,000 balance on his Visa card that charges 18.9 percent compounded monthly, and his minimum monthly payment is 3% of his balance, which is $150. How many months will it take Christo pay off his credit card if he pays the current ininimum payment of $150 at the end of each month? If Chris made monthly payments of $200 at the end of each month, how long would it take to pay off his credit card