Finance Charges. Bill wants to purchase a new car for $45,000. Bill has no savings, so he needs to finance the entire purchase amount. With no down payment, the interest rate on the loan is 13% and the maturity of the loan is six years. His monthly payments will be $903.33. Bills monthly net cash flows are $583.00. Bill also has a credit card with a $10,000 limit and an interest rate of 18%. If Bill uses all of his net cash flows to make the monthly payments on the car, how much will he add each month to his credit card balance if he uses it to finance the remainder of the car? What will the finance charges be on his credit card for the first two months that finance charges apply? (Assume that Bill makes no payments on his credit card.)