The correct answer is C) credit.
The ability to borrow money defines the term credit.
When you go to the bank or a chain store, you ask for credit in order to buy something of value that you commit yourself to pay for it later. The lender, in this case, the bank or the store is going to charge interest for the lend. With this credit, you have to be responsible to manage your bills because at the end of the month you have to pay your bills. If you do not pay them, you're going to have financial problems, and pay more money in interests.