An application team plans to follow the 10-phase SDLC model. After the team identifies both functionality and security requirements, they begin coding. However, after a few weeks, confusion sets in between team members. What is the most logical reason for the confusion

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?