Melody is a department store manager and wants to examine whether or not female shoppers are more likely than male shoppers to use a department credit card. Female=1 indicates the individual is a female. Credit card=1 indicates the individual used a credit card to make the purchase. Amount spent is in dollars. Melody runs a logistic regression. If the estimate on the female variable is positive, what does this indicate about credit card usage?

a) Females spend more on credit cards than males.

b) Females are less likely to use a credit card than males.

c) Males and females are equally likely to use credit cards.

d) Females are more likely to use credit card than males.