You built up a balance of $15,000 on your Bank Three credit card, which charges an APR (monthly compounding) of 18%. You can transfer your balance to a new credit card from Oak Tree Savings, which charges an APR (monthly compounding) of 6%. You plan to make payments of $510 per month on your debt. How many fewer payments will you have to make to pay off this debt with the Oak Tree card versus the Bank Three card