Jennifer has a credit card with an APR of 10.22% and a billing cycle of 30 days. The following table shows Jennifer’s credit card transactions in the month of January.DateAmount ($)Transaction1/1807.94Beginning balance1/741.81Purchase1/853.88Payment1/1675.00Purchase1/2018.65Purchase1/2625.00PaymentHow much greater will Jennifer’s January finance charge be if the finance charge is calculated using the previous balance method than if it is calculated using the adjusted balance method?a.$0.48b.$1.15c.$0.67d.$0.85