Michael has credit card debt of $75,000 that has an 12% APR, compounded monthly. The minimum monthly payment only requires him to pay the interest on his debt. He receives an offer for a credit card with an APR of 4% compounded monthly. If he rolls over his debt onto this card and makes the same monthly payment as before, how long will it take him to pay off his credit card debt? O A 112 months OB. 120 months OC. 113 months D. 122 months