Chris Griffin has a $6,000 debt balance on his Visa card that charges 20.6 percent compounded monthly, and his minimum monthly payment is 3 percent of his debt balance, which is $180. How many months (round up) will it take Chris to pay off his credit card if he pays the current minimum payment of $180 at the end of each month? If Chris made monthly payments of $230 at the end of each month, how long would it take to pay off his credit card debt? (round up)