In general, reducing the monthly payment (P) of a credit card but keeping the interest rate (i) and present value (PV) the same will __________.a.decrease the number of periods (n) needed to pay off the debtb.increase the number of periods (n) needed to pay off the debtc.eliminate the number of periods (n) needed to pay off the debtd.have no effect on the number of periods (n) needed to pay off the debt