You are paying an effective annual rate of $13\mathrm{.}8\%$ on your credit card. The interest is compounded monthly. What is the annual percentage rate on your account?

A$.11\mathrm{.}50\%$

B$.12\mathrm{.}00\%$

C$.13\mathrm{.}00\%$

D$.13\mathrm{.}80\%$

E$.14\mathrm{.}71\%$