please explain and solve without excel

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 $12,800 balance from your current credit card, which charges an annual rate of 20.5 percent, to a new credit card charging a rate of 11.2 percent. a. How much faster could you pay the loan off by making your planned monthly payments of $265 with the new card? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) b. What if there was a fee of 1 percent charged on any balances transferred? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) 39.30 a. Number of months b. Number of months with 1 percent fee