Humza wants to convert his loft into a small dance studio to improve his dancing skills. The total cost of the conversion and equipment will be $6,800.$ However, he doesn$$t have the money to pay the full amount upfront, so is looking at two different financing options.

$*$ Option A is the credit deal offered by the loft conversion specialist. Humza can pay in monthly instalments of $150,$ spreading the cost over $60$ months.

$*$ Option B is to finance the conversion partly on his credit card which has an APR of $24\mathrm{.}90.\%.$ Humza has no outstanding credit on his card and can borrow up to $4,000.$ He plans to use the full credit limit$.$ Even then, he will need to find $2,800$ from elsewhere, which he can just about scrape together, but it will wipe out his savings. He would then aim to pay off the credit card by paying $90$ per month.

Describe two advantages and one disadvantage of Option A over Option B$.$