Sal and Jen went to the store together, and each bought the same car stereo.

Sal used a card to make the purchase, and the full amount was immediately withdrawn from his bank account.

Jen used a card to make the purchase, and she received a bill within 15 days of the purchase. She paid $21.30 for the next 18 months until the bill was paid in full. The full payment included $58.60 in interest.

Which statement describes Sal’s purchase?