b-the immediate obtainment of goods or services in exchange for future payment
The second alternative is correct (B).
Credit is a way of advancing the purchasing power of individuals and companies, who can immediately get resources or services with a commitment to pay on a certain future date.
The credit is widely used for entrepreneurs to obtain resources to invest in productive activity, but is also used in the personal sphere, so that people can employ in certain needs.
An example of credit is the loan from a bank for a company to increase its physical structure. Another example is the bank providing a personal loan for a person to buy a car.
