Part B John spends $600 using a new credit card. The credit card has a limit of $1,000 with a $35 late fee, a $35 over-limit fee, a 0% introductory APR for
12 months, and a 19.996 APR on purchases after the introductory period. If John does not use the card to purchase anything else, how much must
he pay every month during the first year to avoid any fees? If he ends up with a balance of $30 after the first year, what charges will apply?