Why is the finance charge important to consider when shopping for credit? a. the finance charge relates to how long you'll be paying the debt back. b. the finance charge isn't available to all borrowers. c. the finance charge is the total you'll have to pay for credit. d. the finance charge determines your credit worthiness

The correct option is C.
Finance charge on credit card refers to the interest you pay for borrowing money when you are using a credit card. It is the interest you are charged on the debts you owe and sometimes it might include other charges such as penalty fees for late payment. Individual finance charge is usually calculated using the the person APR [Annual Percentage Rate], amount of debt owe and the time period been considered. The higher your debts, the higher your finance charge.

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