Mark recently received a credit card with a $12\%$ interest rate, compounded monthly.

With the card, he purchases an Apple iPhone $15$ for $$799.$ The minimum payment on the

card is only $$24\mathrm{.}99$ per month. If Mark makes the minimum monthly payment and makes

no other charges, how many months will it be before he pays off the card? Round to the

next whole month.

$39$ months

$67$ months

$32$ months

Cannot be determined.