Of all the given options, only (c) Payments decreases amount owed.
(a) Balance transfer means one is taking out cash from the account (i.e. a debit transaction); (b) Cash advances implies a withdrawal transaction from one's account and (c) Interest charges is the amount of interest deducted from an account over a debt for a given period.
As analysed , each of the above transactions increases debts.
However, (c) Payments implies a credit transaction and as such, reduces the amount owed.
