FRE POINTS lol this was on my school online

Closing a credit card usually _your debt ratio.a. increasesb. decreasesc. improvesd. has no effect on

Guys i really need or i have to stay late up night

James wants to promote his band on the internet. site a offers website hosting for $4.95 per month with a $49.95 startup fee. site b offers website hosting for $9.95 per month with no startup fee. for how many months would james need to keep the website for site a to be a better choice than site b?