I believe the answer is idiom, the phrase is not comparing anything so simile and metaphor is out of the question, also personification is giving a non living thing human characteristics.
<span>D. instructive
This passage does a good job describing the way that credit cards work and mentioning the fact that many people don't actually know this. It's a good resource for someone thinking about getting a credit card if they're not completely prepared for the challenges it presents. </span>
These are two different verbs: one means: to be positioned horizontally (lie) and the other to position something else horizontally, to put something down (lay)
They sound similar and have a meaning connected to being horizontal, that's one reason for their confusion.
Make sure you also don't confuse their past tenses:
Lay: laid
lie: lay
Yes, Lay is the present tense of one of them and the past of the other: that's the other reason for their confusion!
