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