You are delinquent on one of your credit cards. You have agreed with the bank to make payments of $90 per month starting the end of this month. The interest rate on the balance is 1% per month. If you owe $8,000, how long will it take for the account to be paid off?

a. 10 years

b. 252 months

c. 12 years

d. 221 months

e. It will never be paid off.