Thom owes $$8,000$ on his credit card. The credit card carries an APR of $18\mathrm{.}8$ percent compounded monthly. If Thom makes payments of $$245$ per month, how long will it take for him to pay off the credit card assuming that he makes no additional charges?

Multiple Choice

$46\mathrm{.}09$ months

$32\mathrm{.}65$ months

$49\mathrm{.}64$ months

$11\mathrm{.}41$ months

$43\mathrm{.}02$ months