Monty currently has a Visa card from his bank with the following terms: 18% on purchases, 24% on cash advances with a 4% cash advance fee on the amount, and a his balance. The only assets he owns are a seven-year-old car and a $2,500 certificate of deposit that has a 5% APR. What will be Monty's minimum payment due? What is the current APY on this credit card if it is compounded monthly? will Monty be accruing on his unpaid balance