Upon opening your mail, you come across a notice outlining changes to the terms of your credit card. The interest rate will be increasing by 3 percentage points, from 15% to 18%, on unpaid balances. As the marketing manager for the local farmer’s co-op, you were considering obtaining a credit card for business purposes, but now you are not so sure. For both personal and professional use, investigate and report on the advantages and disadvantages of using consumer credit, including the following aspects:What do you believe is the convenience to account holder?What are the interest rates for at least 3 credit card options?What is the privacy or safety advantage of using consumer credit?What are the advantages or disadvantages if there is card theft or liability loss?How would using consumer credit help in recording your transactions?Do you think using consumer credit is a good idea? In 250–500 words, summarize your findings and responses to the questions.