Which scenario is an example of a beneficial use of credit?

a. Aadesh uses his credit card to pay for furniture for his new home, and he pays the minimum monthly balance each month, taking several years to pay for the furniture plus interest.

b. Opal uses her credit card to pay rent on her apartment and pays as much of it off each month as she can afford. Although she pays more than the minimum payment, she isnt paying it in full, so even after she moves out, she will still be making payments on the apartment.

c. Marina uses her credit card to buy a new car so she can pay for it over the course of several years. Even after the car depreciates in value, she can still continue to pay it off.

d. Selma buys a condo for $220,000 and lives in it for nine years, paying monthly mortgage payments that are slightly less than the average monthly rent in the area. After nine years, she is able to sell the condo for $310,000 because the building has appreciated in value.

e. Brady takes an 8.5 percent fixed-rate mortgage to purchase his first home. He has trouble making the monthly payments, so he eventually sells the house for enough money to pay back the mortgage without making a profit or suffering a loss.