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 $13,300 balance from your current credit card, which charges an annual rate of 21.1 percent, to a new credit card charging a rate of 11.7 percent. 
How much faster could you pay the loan off by making your planned monthly payments of $290 with the new card? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) 
Number of months 
What if there was a 3 percent fee charged on any balances transferred? (Do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.) 
Number of months 

a)
Number of months 61.08
b)
Number of months 63.61
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