Anna is a shopaholic and had recently lost her job. She has three credit cards which she has utilised to the maximum. She adds to the outstanding credit card balances each month by ensuring that only the minimum balances are settled. This is so as she does not have enough the money to pay off the entire balance. Required (a) Identify the type of credit card user that Anna is based on the description provided above. (1 mark) (b) Based on the Harvard Business Review article "4 Behaviors That Can Land You in a Credit Card Debt Trap" by Kiara Taylor, identify two behaviours that would have landed Anna in this credit card trap and advise what she could do instead to overcome this situation [HINT - apply some pertinent elements of Personal Financial Literacy you learnt in Week 1]. (4 Marks)