Riya recently bought a new phone. She was taking a photo of her sister when she dropped the phone in the pool. The company that made the phone told her they wouldn’t replace it. Riya decides to call her credit card company to find out if they can help.

Which advantage of credit is Riya seeking to use?

A.
emergencies

B.
purchase power

C.
building a credit line

D.
protection of purchases

D. protection of purchases