With only a$$ part$-$time job and the need for a professional$$ wardrobe, Rachel quickly maxed out her credit card the summer after graduation. With her first$$ full$-$time paycheck in$$ August, she vowed to pay

$$$$280280$

each month toward paying down her

$ $9$ comma $928$$$9,928$

outstanding balance and not to use the card. The card has an annual interest rate of

$1212$

percent. How long will it take Rachel to pay for her$$ wardrobe? Should she shop for a new$$ card? Why or why$$ not?