Normalize to 3rd Normal Form

Consider the following report from the Credit Counseling Service, which helps people hopelessly in debt recover their credit rating. Assume that each lending institution is an issuer for a single brand of credit cards and further that for security purposes only the last four digits of the card number is stored.

Credit Couns eling Servic e Client Credit Client Id Issuer Card # Balance Last Visit Name ar re 1025 2/4/2016 BancOne 1394 1427 Discover Prudential 2648 BancOne 3329 4429 MBNA 4428 VISA 500.00 1500.00 1243.00 2463.003/7/2016 1753.00 4093.00 1/23/2016 Spendthrift MC AT&T 3092 Jane Mallrat VISA Optima AmEx Jim Resistless 4423 MC