Freya realizes she does not have enough in her bank account to use the debit card. She decides to use a credit card instead. Which questions should Freya answer before using a credit card? Check all that apply.

Can I pay at least the minimum payment each month?
Can I make payments on time and avoid late fees?
Will I have to take out a loan?
How much in finance charges can I afford to pay?
Should I talk to a consumer credit counseling service?