Ursula has 1 credit card with a credit limit of $3000. she usually charges $2400 per month. she typically pays bills a week or two late. she owes $9000 on a car worth $10,000. which is most likely to occur? a. her application for a new credit card will be approved. b. if she gets a mortgage, she will have a low high interest rate. c. she will have a high credit score. d. her application for a loan with low interest rate will be denied