Ava has a credit card that gets her a 5% discount on every purchase and free shipping when used online. the annual percentage rate on the credit card is 16%. if ava pays cash, the purchase will be $200. if ava uses the credit card and pays the full balance during the billing cycle, the purchase will be $190. if ava uses the credit card and pays the balance off at $20 a month for 11 months, with no late fees, the purchase will be $213.06. ava goes to the store and chooses clothes and shoes for a new job. the purchases total $200. ava has a choice: pay with cash or pay with the credit card that gives the discount. how much will ava save immediately if she uses the credit card and pays the balance during the billing cycle? how much will ava pay in interest if she pays back the card in 11 months?