Answer:
Without the ketchup is the relative clause.
You know that because if you take it out of the sentence, the sentence still makes sense.
A compound predicate has a subject in the sentence that is doing more than one action and is shared by two or more verbs, plus a conjunction.
So I would say the answer is B
Credit, transaction between two parties in which one (the creditor or lender) supplies money, goods, services, or securities in return for a promised future payment by the other (the debtor or borrower). Such transactions normally include the payment of interest to the lender.
