13. you have a credit card with an initial balance of $3,168.00 and an interest rate of 12.75% apr. if you make no payments on the card for 3 months how much is your balance by the end of the third month? a. 3,571.92 b. 3,270.06 c. 3,201.66 d. 3,860.43 14. your mortgage is $135,400.00 at a 5.25% apr. if you pay $1,500.00 towards the mortgage each month, how much of your second month's payment is applied to the principal? a. 1,815.25 b. 315.25 c. 911.60 d. 1,184.75 (i could really use with the whole unit test, and you.)