What does a production checkpoint use to make a better backup that is closer to the state of the system when the checkpoint is created

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?