Bobby is trying to decide between two credit cards. One has no annual fee and an $18$ percent interest rate, and the other has a $$40$ annual fee and an $8\mathrm{.}9$ percent interest rate.

If Bobby pays his credit card balance in full each month, which card should he choose?

multiple choice $1$

He should select the card without the annual fee.

He should most likely select the card with the lower interest rate.

If Bobby just pays the minimum payment and carries a balance from one month to the next, which card should he choose?

multiple choice $2$

He should select the card without the annual fee.