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Matt has $471.60 in his checking account and feels he's doing pretty well financially. Then his car stops running. His mechanic is able to fix it in a day, but with the towing charges, parts, and mechanic's labor, he now needs to pay the service center $624.11 so he can drive his car to work. Of the following choices, which is the best course of action for Matt?

a) Pay the service center with his Visa credit card
b) Pay the service center with his MasterCard debit card
c) Write a check for $624.11 and hope the service center doesn't take it to the bank before next payday
d) Call his employer to say he won't be able to come to work