Which is the best option for someone who wants to improve his or her credit and pay less interest on the debt?

Paying $100 per month reduces the debt balance faster than paying $15 per month. A lower balance generally means less interest accrues over time, and making larger payments can help improve credit by reducing how much of the available credit is being used. So the best choice is $100 a month because it will reduce the amount of interest paid.

AI-written and checked against the verified answer.