Who among the following is most likely to have a large amount of credit card debt? O Joshua, who has an outstanding debt of $560 and pays the minimum payment every month Drew, who uses a reward credit card and pays off the balance every month O Brik, who uses his credit card only during emergencies and has a debt of $150 O Rita, who pays all her monthly expenses using her credit card and pays the loan amount in full at the end of each month