For a Person Who Sometimes Pays His Entire Credit Balance

Multiple Choice

For a person who sometimes pays his entire credit balance and sometimes pays the minimum payment,which calculation method would be the least expensive?

A) average daily balance including new purchases
B) average daily balance excluding new purchases
C) two-cycle average daily balance including new purchases
D) two-cycle average daily balance excluding new purchases
E) both b and d would produce the same, low finance charge