You have an $$8000$ balance on your credit card, which charges $12\%$ interest annually $(1\%$ per month$).$ If you can afford to pay $$100$ per month, how many months will it take to pay the credit card in full?

a$.$

$14$ months

b$.$

$82$ months

c$.$

You will never get the card paid off at that rate.

d$.$

$162$ months

e$.$

$170$ months