Lynn is at a store and wants to buy a new backpack that costs $55. She only has $35 with her, but she has the rest at home. Lynn also has a credit card that does not charge her any interest if she pays the balance in full by the end of the month. 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?
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She would likely have to pay more than $55 at the time of purchase for the convenience of using her credit card.