Isabella expects that she will normally carry a credit card balance of $$1,200.$ Which of the three options would be the lowest cost option for her? HB: $15\mathrm{.}99\%$APR, $$150$ annual fee$-$ WP : $22\%$ APR, $$75$ annual fee$-$FB: $28\mathrm{.}99\%$no annual fee