Suppose you owe $$12,000$ on a credit card that carries an APR of $24\%.$ Because the balance is so high, you choose to stop charging and pay off the card. You can afford to make only the minimum monthly payment, which is $5\%$ of the balance. Then your balance after t months is given by

B $=12,000(1\mathrm{.}020\mathrm{.}95)$t

dollars.

How many payments will you have to make to get the balance below $$200?($Enter the smallest such number of payments as an integer.$)$

payments