The answer is that it can encourage customers to spend beyond their means. Instead of returning money through cash or credit, customer credit allows for people to spend a certain amount of money ONLY in the same store chain. This insures that people don't spend the returned money anywhere else. Hope this helped :)
Consumer Credit means if the consumer runs out of cash at the time of purchase , it is a loan given to the consumer for the goods purchases. The example of consumer credit is credit card. The basic advantage of having consumer credit is that the consumer gets loan in case if he is out of cash.
It can allow you to save money if you time your purchases correctly. The answer is A
