The annual interest rate on a credit card is 12.99%. If a payment of $400.00 is made each month, how many months will it take to pay off an unpaid balance of $2,572.87? Assume that no new purchases are made with the credit card. It will take months to pay off the unpaid balance. (Do not round until the final answer. Then round up to the nearest integer as needed.) To find the number of months it will take to pay off the unpaid balance, use the formula for the present value of 1-(1 + i)" an ordinary annuity, PV = PMT where PV is the present value of all payments, PMT is the periodic payment, i is the rate per period, and n is the number of periods