You want to buy a used all-terrain vehicle (ATV) that costs $2800.00. You Have $1100.00 in savings and can save $200.00 more a month. Your local credit union offers loans at 6.50% per annum over a term of 12 months. You have a bank credit card with an interest rate of 20.00% per annum. You have a balance of $100.00 on your credit card.

Question

You want to buy a used all-terrain vehicle (ATV) that costs $2800.00. You Have $1100.00 in savings and can save $200.00 more a month. Your local credit union offers loans at 6.50% per annum over a term of 12 months. You have a bank credit card with an interest rate of 20.00% per annum. You have a balance of $100.00 on your credit card. 
**confusing ain't it?
1. Show many different options as you can for buying the ATV and paying off your credit card debt.
2. Show the advantages and disadvantages of each option.
3. Which option would you choose? provide calculations to support your choice.
4. Make a list of strategies/advice that you would give for using a credit effectively. 
PLEASE GIVE IT A TRY, AND HELP ME OUT.