Joanna is trying to decide between getting a credit card and getting a line of credit, and she has asked you to help her make a list of pros and cons. What are some pros and cons for each type of credit service?

A. Lines of credit can be used at the point of sale, while credit cards cannot. Lines of credit typically have a lower interest rate while credit cards typically have higher rates
B. Lines of credit can be used at the point of sale, while credit cards cannot. Credit cards typically have a lower interest rate while lines of credit typically have higher interest rates
C. Credit cards can be used at the point of sale, while lines of credit cannot. Lines of credit typically have a lower interest rate while credit cards typically have higher interest rates
D. Credit cards can be used at the point of sale, while lines of credit cannot. Credit cards typically have a lower interest rate while lines of credit typically have higher interest rates

The correct answer is D. Credit cards can be used at the point of sale, while lines of credit cannot. Credit cards typically have a lower interest rate while lines of credit typically have higher interest rates.