There are various types of transitions used in the post-editing of a video or film. One of the main purpose of transition is that how a shot will end and connect with the next upcoming shot.
The most basic transition which is still in use is cut. The cut term is used to start or end of any shot. There are many more purposes of cutting transition in the film and video editing process.
So according to the question, the most appropriate answer is option c.
Well actually it affects her credit. Home owners would not want to sell a house to someone who doesn't pay bills on time. It shows he/she is unreliable