Garth was amazed to hear that his friend Lindsey always pays off her credit card balance each month. Garth just assumed that everyone used credit cards the same way​ - buy​ now, pay later​ - only in his​ case, months later. He buys almost everything he needs or​ wants, including​ clothes, food, and entertainment with his card. When Lindsey asked him about the balance calculation​ method, APR, grace​ period, or other fees and features of his​ card, Garth was clueless. He reasoned that his credit card was a safe and convenient way to shop and it allowed him to buy expensive items by paying minimum monthly payments.​ Overall, Garth thought of himself as a responsible credit​ user, despite the fact he had been late making a few monthly​ payments, and, once or​ twice, had gone over his credit limit. He also uses his card regularly to obtain cash advances. After hearing all of​ this, Lindsey is worried about her friend. She has come to you for help in answering the following questions. a. What type of credit user is​ Garth? Based on your​ answer, what is the number one factor that should influence​ Garth's choice of a credit​ card?