Option d: The original balance on the credit card.
Explanation:
To determine the y-intercept, let us use the formula,
where m is the slope and b is the y-intercept.
Also, 
Let us choose the coordinates
and 
Substituting, we get,

Thus, the formula becomes

Now, to determine the value of b, let us substitute
in the formula,
we get,

Substituting the value of b in the formula, we have,

Thus, the y-intercept is 
At y-intercept the value of x is 0. It means the y-intercept represents the amount of money left to pay on a credit card when the number of months is 0.
Thus, the y-intercept represents the original balance on the credit card.
Hence, Option d is the correct answer.