Why might Lynn want to wait until she has $55 in cash at the store to purchase the backpack, instead of using her credit card? Using a credit would cause the store to lose money, because even if she pays back her bill in full, she will still need to pay the credit card company additional dollars for the convenience of borrowing money. Using cash would cause the store to lose a large amount of money, because credit card companies offer incentives to stores based on the number of people who use their card. She might forget to pay the credit card bill, which would make her purchase more expensive due to interest payments and late charges. She would have to pay more than the purchase price for using her card because of federal laws that discourage use of credit.