a. choose a credit card balance between $5,000 and $20,000, using a 16% APR (the current average credit card interest rate). b. choose an estimated minimum monthly payment, greater than $200. c. how many years will it take to pay off your credit card? part 2. keeping all other factors the same, increase your monthly payment, so you are now paying more than the minimum. how many years will it take to pay off your credit card? part 3. compare the length of time it takes to pay off your credit card in part 1 and part 2. how much money do you save by paying your card off sooner? have to be in Excel format