James owes \( \$ 1020 \) on his credit card. He wants to pay it off in 12 months so that he does not have to pay interest. How much should he pay each month so his credit card is paid off in 12 months? He should pay \( \$ \square \) so that his card is paid of in 12 months.

To pay off his credit card balance of \( \$ 1020 \) in 12 months without incurring any interest, James should divide the total amount owed by the number of months he plans to take to pay it off. So, we calculate: \[ \text{Monthly Payment} = \frac{1020}{12} = 85 \] Therefore, he should pay \( \$ 85 \) each month to ensure his credit card is paid off in 12 months. He'll be free from that debt before he knows it!