please answer all the parts of the question within 30 minutes. make sure the answer and reasons are explained in very detailed manner as in why the option is right and why other options are wrong. Ensure that the reasons are done in very detailed manner, also answer only if your are 100% sure. else i will give negative ratings for sure. make sure the answer is very detailed

We can prefer credit instead of using saving if.... if credit has long term O if interest rate is low O none of them we can earn from more than interest