A bank recently announced an "instant cash" plan for holders of its bank credit cards. A cardholder may receive cash from the bank up to a preset limit (about $500). There is a special charge of the minimum of $15 or 4% made at the time the "instant cash" is sent to the cardholders. Each month the bank charges 1 1/2% on the unpaid balance. the monthly payment, including interest, may be as little as $10. Assume the cardholder makes the minimum monthly payment of $10. How many months are required to repay $150 of instant cash? How much interest is paid?