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Tom just received a credit card with an introductory APR of 0% for nine months and a credit limit of $500. The APR for purchases after the introductory period is 19.9%. The penalty APR is 24.9% and the APR for cash advances is 20.4%. Tom uses his card at the mall and spends $360. If Tom wants to have a balance of $0 before his introductory period expires, what monthly payments should he make?
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