Riley has had the same credit card for 10 years. she has $8000 in available credit and usually charges $300 per month. she pays her bills on time and owes $500 on a car worth $7500. which is most likely to occur? a. her application for a new credit card will be denied. b. she will have a high credit score. c. she will pay a high rate for insurance. d. her application for a mortgage will not be approved.