Sew-Good Pty Ltd, trading as Sew-Good, is a small business that does clothing repairs and alterations. The Bank of Southern Victoria has just offered Sew-Good the use of a credit card where the annual percentage rate is 24%p.a., compounding monthly. The bank has suggested to Sew-Good that the use of this credit card would be very useful for times when there is a short term cash deficit. Would you advise Sew-Good to accept the credit card offer? Explain the reasons for your advice.