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Tim has a credit card with an APR 29.99% and a balance of $4,875. He wants to pay $200 each month on the xard .

Tim has a credit card with an APR 29.99% and a balance of $4,875. He wants to pay $200 each month on the xard . How many months will it take him to clear the debt? (show all your work and write your answers in complete sentances )

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