Katie wants to purchase a camera that cost $149.99. She has $435.00 in her checking account. Which statement is true if Katie uses a debit card to pay for the camera?

A. She will have to pay a penalty fee because she does not have enough money in her account

B. She will have to make payments on the amount she borrows

C. She will have to pay interest on the amount she borrows

D. She will not have to pay a fee because she has enough money in her account