Your friend has accumulated $8000 in credit card debt. The annual rate on the card is 22%. She wants to pay it off in 3 years. What monthly payment will she need to make?

At the end of your credit card billing cycle (March 31; 30 days) you have a balance of $6500. On April 10, you made a $850 payment. On April 15, you use your card to make a purchase of $675. What is the average daily balance and the finance charges for the month if the APR is 18%

Please use formulas not excel.