Which statement best compares the costs and benefits of getting a credit card?

(A) Credit card companies allow people to earn interest, but they charge a certain amount in purchases each month.

(B) A credit card enables purchasing even if people don’t immediately have the money, but it is only available to people making a high salary.

(C)A credit card immediately charges a person's account and prevents overspending, but they may not have enough money to buy something.

(D) A credit card allows people to get an item without waiting, but makes people pay extra interest.