How would you solve the hard version of this problem ?

A student bought $1000 worth of furniture. Current interest rates are 4%. What is the Equivalent Uniform Annual Worth if the furniture is expected to last 10 years and can be sold for $200? Hard: Another student bought the furniture above on a credit card at 18% APR (credit cards compound daily). They paid off the credit card after 3 years. Now what is the Equivalent Uniform Annual Cost of the furniture