James stopped making payments on a credit card when he was in college. when applying for a car loan after graduation, he realizes the missed payments have caused negative marks on his credit report and he only qualifies for a high interest rate loan. james decides against purchasing the car and makes payments on his old credit card. evaluate james's decision. a. james made the wrong decision because he cannot improve his credit score and may not be approved for a loan again in the future. b. james made the right decision because making payments on his credit card will get him a lower interest rate on a loan in the future. c. james made the wrong decision because choosing to buy the car would him to pay off his credit card in the future. d. james made the right decision because making payments on his credit card will decrease his credit score in the future.