You got a little carried away during Spring Break, and charged $$3,000$ on your credit card. The card carries an annual rate of $16\mathrm{.}9\%.$ Assuming that you will make no further charges on the card, and that you will make payments of exactly $$75$ every month, how many years will it take for you to pay off the balance on the card?

Multiple Choice

$3\mathrm{.}0$

$36\mathrm{.}0$

$59\mathrm{.}2$

$4\mathrm{.}9$

$5\mathrm{.}3$