Chris Griffin has a $5,000 debt balance on his Visa card that charges 18.9 percent compounded monthly, and his minimum monthly payment is 3 percent of his debt balance, which is $150. How many months (round up) will it take Chris to pay off his credit card if he pays the current minimum payment of $150 at the end of each month? If Chris makes monthly payments of $200 at the end of each month, how long will it take him to pay off his credit card (round up)?