You have been searching for a new Bluetooth speaker system. You’ve finally found one online for $199.67. The money you left from your summer job is $135.89. Now that school has begun again, you only make $96.72 a month. In addition, you pay $31.89 each month for your car insurance. You know that you’ll have to wait a few months to buy the speakers; however, you see a notice on the site with a link that offers 10% off of your purchase if you apply for and are approved for their credit card. You decide to apply, not only does it make the speaker system 10% less expensive, but you can make payments. The online application is instant and you’re approved for a $250.00 credit line. The credit card has a simple interest rate of 4% and a monthly payment of $22.00. Given this scenario, what do you think you would do?