Chanille has a credit card with a 6,000 limit. She charges $750 every month for clothes, but she can only pay back $300 a month. How many months unit her card reaches or exceeds its limit?

a 14 months
b 8 months
c 20 months
d 13 months

To calculate the number of months until Chanille's card reaches or exceeds its limit, we need to divide the credit card limit by the monthly payment and round up.

$6000 / $300 = 20 months

Therefore, the correct answer is (c) 20 months.