Dose anyone know how to change username, grade level, and gender here? I have tried it in the change preferences and it says it did it but it didn't. Please give me a step by step explanation!!

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?