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Let's break down and solve each of the problems one by one.

### 1. **Naima's Credit Card Balance**
Naima's credit card bill is **$2,344** with an annual interest rate of **14.6%**, and she wants to pay it off in **4 years**. We assume no additional charges.

To calculate the monthly payment, we use the **amortization formula** for loans, which also applies to credit card balances:

\[
M = P \times \frac{r(1 + r)^n}{(1 + r)^n - 1}
\]

Where:
- $M$ is the monthly payment.
- $P$ is the principal (the original balance, $2,344).
- $r$ is the monthly interest rate (annual interest rate divided by 12).
- $n$ is the number of months (4 years = 48 months).

Let's calculate the monthly payment.

1. **Annual interest rate** = 14.6% = 0.146
2. **Monthly interest rate** = 0.146 / 12 = 0.012167
3. **Number of months** = 4 years = 48 months

Substitute these into the formula and calculate.

---

### 2. **Luis' Visa Card Balance**
Luis has a Visa card balance of **$2,899**, and he plans to pay it off in **3 years, 3 months (39 months)** with an annual interest rate of **17.4%**.

The steps are as follows:
1. First, determine his monthly payment using the amortization formula, similar to Problem 1:
   \[
   M = P \times \frac{r(1 + r)^n}{(1 + r)^n - 1}
   \]
   
   Where:
   - $P = 2,899$
   - **Monthly interest rate** $r = \frac{17.4\%}{12}$
   - **Number of months** $n = 39$

2. Once we have the monthly payment, we calculate the total interest paid using:
   \[
   \text{Total Interest} = M \times n - P
   \]
   
---

### 3. **Emmett's Mastercard Balance**
Emmett paid **$67 per month** on her **$3,100** MasterCard bill. The interest rate is **15.8%**, and we are asked to calculate how long it took to pay off the balance, in years and months.

The formula for calculating time is:
\[
n = \frac{\log \left( \frac{M}{M - rP} \right)}{\log (1 + r)}
\]

Where:
- $M = 67$ (monthly payment),
- $P = 3,100$,
- **Monthly interest rate** $r = \frac{15.8\%}{12}$.

This will give the number of months, and we can convert it into years and months.

---

Let me calculate the results for you.Here are the results for each problem:

### 1. Naima's Credit Card Balance
Naima's monthly payment to pay off her balance of **$2,344** over 4 years with an interest rate of 14.6% is **$64.76** per month.

### 2. Luis' Visa Card Balance
Luis' monthly payment to pay off his balance of **$2,899** over 3 years and 3 months (39 months) with an interest rate of 17.4% is **$97.85** per month.  
By the time the balance is paid off, Luis will have paid **$916.96** in total interest.

### 3. Emmett's Mastercard Balance
Emmett took approximately **5 years and 11 months** to pay off her balance of **$3,100** at a rate of **$67 per month** with an interest rate of 15.8%.

---

Would you like more details on any of these calculations or have any questions?

Here are 5 additional related questions to further explore the topic:
1. How does changing the interest rate affect the total interest paid over time?
2. What would happen to the monthly payments if Naima shortened the repayment period to 3 years?
3. How much would Luis pay in total if he extended his repayment period to 4 years?
4. What is the total amount Emmett paid (principal + interest) after almost 6 years?
5. What are the consequences of missing a monthly payment for a credit card balance?

**Tip:** It's always beneficial to make extra payments on credit cards when possible, as it reduces the interest you pay over time.

Naima’s credit card bill was $2,344. If the credit card had an annual interest rate of 14.6%, how much did she pay each month if she paid off the balance in 4 years? Assume she made no more charges on the card. Luis wishes to pay off his Visa card balance of $2,899 in 3 years, 3 months. If his interest rate is 17.4%, determine how much he would have paid in total interest by the time the balance is paid off. Emmett paid $67 per month on her $3,100 Mastercard bill, how long did it take to pay off the balance? Assume that the interest rate on the credit card was 15.8% and that he made no other charges before paying it off.

Solve real-world credit card interest problems for Naima, Luis, and Emmett. Learn how to calculate monthly payments and total interest using amortization formulas for credit balances of $2,344, $2,899, and $3,100 with interest rates of 14.6%, 17.4%, and 15.8%, respectively.

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