Joey realizes that he has charged too much on his credit card and has racked up Joey realizes that he has charged too much on his credit card and has racked up $$5,300$ in debt. If he can pay $$150$ each month and

the card charges $12$ percent APR $($compounded monthly$),$ how long will it take him to pay off the debt?

Note: Do not round intermediate calculations and round your final answer to $2$ decimal places