Chandler has been saving money from his paycheck each month to buy a computer. Joey doesn't have the cash to buy a computer, but he has a Big Buy store credit card and uses it to buy a computer. Which of the following best compares the results of their choices?

Chandler will have to wait to buy a computer, but he will not pay interest charges, unlike Joey.
Joey can avoid paying sales tax by purchasing the computer with his credit card, unlike Chandler.
Chandler will use his saved money for the computer, while Joey can avoid payment by using credit.
Joey does not have to wait to buy a computer, and he can pay less money than Chandler overall.

The answer is a