Respuesta :
it be the first one because when you use a credit card you borrow money that you pay back each month which you pay the bank
Martin used his credit card to buy a new bike. Using credit card is a type of debt on a person that he has borrowed from the bank and he has to pay that in a certain defined period of time. Credit card usage is also described as a short term loan that you use to purchase things.
Hence, Martin borrowed money to buy the bike is the right answer.