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(附加题)大多数人至少拥有一两张信用卡,以便于日常消费。但令人惊讶的是,几乎很少有人知道只偿还信用卡账单上的最低必须还款额所带来的后果。我们来分析一下李明的情况。他们各自的信用卡中都有20000元的债务,该信用卡规定每月至少需要偿还债务的3%,或者1000元,什么还款方式支付更多呢?李明没有足够的资金来还款。而李明只能支付每月的最低还款额。李明信用卡余额每个月都要按24%的年利率加收利息。因此,在李明的还款中,一部分是用于支付利息的,另一部分是用来偿还本金的。为了偿清信用卡中的20000元债务,李明在长达8年的时间里合计支付了25518元。在8年中,李明所支付的利息总计为5518元。你能解释信用卡公司给出的24%的年利率的含义吗?

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A. 8
B. 16
C. 24
D. 32

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