Suppose your credit card balance is $3,227.54. The monthly payment amount is $50, and the annual percentage rate is 10.60%, compounded monthly. (10 pts) If you make a constant monthly payment of $50, beginning at the end of the month, how long will it take you to pay off the credit balance? (5 pts) Assuming monthly payments are made, what is the balance on the credit card in 3 years?