Justin has a credit card with a limit of $1,000 and an introductory apr of 0% for six months. after that the, apr for purchases is 22.9%. the apr for cash advances is 24.9%. the penalty apr is 29.4%. the annual fee is $39, the late payment fee is $35, and the over limit fee is $29. justin obtains $350 from an atm using his credit card. which of the following aprs apply to his account?

select the best answer from the choices provided.
a. 24.9%
b. 22.9%
c. 29.4%
d. 0%