Jennifer has a credit card with an APR of 10.22% and a billing cycle of 30 days. The following table shows Jennifer’s credit card transactions in the month of January. Date Amount ($) Transaction 1/1 807.94 Beginning balance 1/7 41.81 Purchase 1/8 53.88 Payment 1/16 75.00 Purchase 1/20 18.65 Purchase 1/26 25.00 Payment How much greater will Jennifer’s January finance charge be if the finance charge is calculated using the previous balance method than if it is calculated using the adjusted balance method? a. $0.48 b. $1.15 c. $0.67 d. $0.85