Ryan has a credit card with a total credit limit of $5000. he charges about $4500 a month and made 6 late payments in the past year. he owes $12,000 on a car worth $15,000. he declared bankruptcy 3 years ago. which is most likely to occur? a. he will be approved for car loan at a low interest rate. b. his application for internet service will be approved. c. he will have a high credit score. d. his loan application to buy a house will be denied.