Why would a business likely use a java applet - to back up their data files for the business - to create a program that a customer can launch in their web browser - to create music on a powerpoint presentation - to organize files on their company directory

Freya realizes she does not have enough in her bank account to use the debit card. she decides to use a credit card instead. which questions should freya answer before using a credit card? check all that apply. can i pay at least the minimum payment each month? can i make payments on time and avoid late fees? will i have to take out a loan? how much in finance charges can i afford to pay? should i talk to a consumer credit counseling service?