Frank has four different credit cards, the balances and interest information of which are outlined in the table below. If Frank budgets to pay off all four credit cards in 24 months, what will his total monthly credit card payment be?Credit CardBalanceAPRA$2,380 19%B$4,500 15%C$1,580 17.50%D$900 21%

Use the standard loan-payment formula for each card: monthly payment = balance × (monthly interest rate) ÷ [1 − (1 + monthly interest rate)⁻²⁴], with monthly interest rate equal to APR ÷ 12. The four monthly payments are approximately $120.00, $218.20, $78.50, and $46.21. Adding them gives about $462.91, so the total monthly payment is choice D, $462.91.

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