HELP ASAP PLEASE
Madison wants to buy a used car. She has a credit card with a $12,000 limit and 12% interest rate, or she can get a personal loan from the bank at 7% interest for 3 years. What is the most financially responsible decision? Why?

A.
personal loan because it has a lower interest rate

B.
credit card because it has a $12,000 limit

C.
personal loan because it has a higher interest rate

D.
credit card because it has a lower interest rate