please help with all 3 questions thank you

Question Help You are considering two ways of financing a spring break vacation. You could put it on your credit card, at 15% APR, compounded monthly, or borrow the money from your parents who want an interest payment of 7% every six months. Which is the lower rate? (Note: Be careful not to round any intermediate steps less than six deomaplaces) The effective annual rato for your credit card is. (Round to ho decimal places) The effective arnual rate for the loan from your parents is % (Round to two decimal places) The option with the lower effective annual rate is (Select from drop-down menu.) the loan from your parents your credit card