The borrower should make a monthly payment of $528.82 to pay off the debt in 12 months.How is interest determined?We may apply the formula for monthly payment on a fixed term loan to determine the monthly payment necessary to pay off a credit card debt of $5,675 with a 22.4% annual interest rate compounded monthly in 12 months:P = (1 - (1+r)(-n))/[r(PV)]where P denotes the monthly payment, r denotes the monthly interest rate, PV is the present value of the debt ($5,675), and n denotes the number of monthly payments (12).Inputting the values provided yields:P = (0.224/12)(5675)/[1 - (1+0.224/12)^(-12)]P = $528.82So, assuming no further transactions are made using the card, the borrower should make a monthly payment of $528.82 to pay off the debt in 12 months.