You can use your VISA with an APR of 33%, approved up to a maximum of $ 6,000, at 36 months. The bank, on the other hand, offers you a line of credit of $ 12,557, tells you to pay 12%, and offers you a maximum of 50 months to pay. What is the minimum monthly payment in both cases? Which of the two offers is the most economical if you really need $ 10,000? Present the equations and arguments to support your recommendation