Credit Policy the Silver spokes Bicycle Shop has decided to offer credit to its customers during the spring selling season. Sales are expected to be 400 bicycles. The average cost to the shop of a bicycle is $280. The owner knows that only 97 percent of the customers will be able to make their payments. The identify the remaining 3 percent she is considering subscribing to a credit agency. The initial charge for this service is $500, with an additional charge of $4 individual report. Should she subscribe to the agency?