Gina wants to pay off her credit card balances within 24 months. she is trying to decide if she should use her $2,000 in savings to pay off part of the balances or if she should transfer the balances to a new card with a low introductory rate. the new credit card has an introductory rate of 9% but charges a balance transfer fee of $75 for each balance transfer. evaluate gina's options and recommend the debt management plan that results in the lowest monthly payment. credit card a: $1,354
credit card b: $1,678
a.
pay off credit card b using the savings. transfer the balance of credit card a to the new card.
b.
pay off credit card a using the savings. transfer the balance of credit card b to the new card.
c.
pay off $1,000 from both credit card a and credit card b. transfer the remaining balances from both cards to the new card.
d.
pay off all of credit card b and $322 of credit card a. transfer the remaining balance of credit card a to the new card.