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You just bought expensive car stereo for $2,400 online at Mississippi Best store

You just bought expensive car stereo for $2,400 online at Mississippi
Best store. The store offered you a choice – X% discount if you pay right now or you can pay within six months. You can borrow money at your bank at 8.40% per annum compounded monthly.
What is the lowest X% for which you will pay the store right now?
You should answer as the percentage. For example if the answer is 14.5%, then enter 14.5 as the answer.
(Hint: Refer to the Cash Discount Practice Problem. Assume 360 days in a year. Monthly bank interest rate to be paid is annual rate/12)

 
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