With only a part-time job and the need for a professional wardrobe, Rachel quickly maxed out her credit card the summer after graduation. With her first full-time paycheck in August, she vowed to pay $ 310 each month toward paying down her 13,012 outstanding balance and not to use the card. The card has an annual interest rate of percent. How long will it take Rachel to pay for her wardrobe? Should she shop for a new card? Why or why