With only a part-time job and the need for a professional wardrobo, Rachel quickly maxed out her credit card the summer after graduation. With her first full-time paycheck in August, she vowed to pay $240 each month toward paying down her $8,269 outstanding balance and not to use the card. The card has an annual interest rate of 24 percent. How long wil it take Rachel to pay for her wardrobe? Should she shop for a new card? Why or why not