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Question 3 (20 marks) Your friend, Mary, is considering apply a credit card. As she did not own any credit card at the moment, she

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Question 3 (20 marks) Your friend, Mary, is considering apply a credit card. As she did not own any credit card at the moment, she is asking you for help. Required: 1. Discuss any FOUR factors Mary should consider when choosing the right credit card to apply, and explain how these factors would affect her choice based on her spending pattern and/or attitude. (16 marks) 2. Advise Mary how to reduce potential credit card fraud. (4 marks)

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