I keep getting this question wrong. Please steer me in the right direction. See below:

Your Christmas ski vacation was great, but it unfortunately ran a bit over budget. All is not lost: You just received an offer in the mail to transfer your $12,500 balance from your current credit card, which charges an annual rate of 20.3 percent, to a new credit card charging a rate of 10.9 percent.

How much faster could you pay the loan off by making your planned monthly payments of $250 with the new card? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.)Number of months?_____

What if there was a 1 percent fee charged on any balances transferred? Number of months_____?

My work:

Card 1 : PV= $12,500 FV= $0 I/Y= 20.3/12, 1.6916667 PMT= -$250 N= ? Number of months is 111.46

Card 2. PV= $12,500 FV= $0 I/Y= 10.9/12, 0.90833, PMT= -$250 N= ? Number of months is 66.83.

Card 2 with 1% balance transfer fee. 12500*1.01 = 12,625, PV= $12,625 FV= $0 I/Y= 10.3/12, .908333333 PMT= -$250 N= ? Number of months is 67.75

Where did I go wrong???