J. R. owes $7,000 on a credit card charging a 23.4% annual percentage rate (APR). He stopped using the card and has a debt plan to pay $320.00 per month. Determine his new balance after 3 months of payments.
a. $6,816.59
b. $5,939.12
c. $6,438.69
d. $6,135.98
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