Send message 9713 of 17 josé has a monthly budget of $80 to put toward his hobby of building model trains. he can afford to pay cash for his purchases, but he uses his credit card to buy items at the hobby store for amounts that do not exceed his budget. assuming josé pays his balance in full every month, is he using his credit card wisely? o a no; he should always pay cash if he can. ob. yes; he has already budgeted for this expense. oc. no; he should only use credit cards for important purchases. od. yes; he can use his cash to pay for something else he wants.