I NEED SOMEONE TO TALK TO IM DESPRESSED :(

Helen's credit card has an apr of 15.32% and a grace period of 17 days and helen pays her balance in the full every month. if her last billing cycle ended on september 26, 2009, and she made her payment on october 11, 2009, did she owe any interest on her last statement's balance?

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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?