please help me with this question:

11. Choosing the best credit card

All credit cards are not alike, nor are all spenders alike. When you are deciding which credit card to obtain, your first step should be to honestly determine what kind of spender you are and how you pay your bills. Then consider cards whose features best match your purchasing and payment habits. These cards will work to your greatest advantage.

Consider the following example:

Shop Around for the Best Deal

Paolo is shopping around for a credit card and does not expect to pay the balance in full each month. Paolo isnt a big spender and will carry small balances from month to month.

What is Paolos best option?

a. Avoid cards with annual fees, and get one with as low an interest rate as possible

b. Select the card with the longest grace period regardless of its annual fee or interest rate

c. Pay an annual fee to keep the interest rate as low as possible