fixed income query

Matrix also currently has investments in several ABS. Which of the following spread measures is most appropriate in the analysis of ABS backed by credit card receivables? A. Monte Carlo simulation model, because representative paths can be utilized. B. Z-spread, because credit card ABS have no prepayment option. C. OAS, because the cash flows are interest rate path dependent. Credit card receivable-backed ABS have no prepayment option, therefore prepayments are not path dependent and the Zspread is the most appropriate model. (Study Session 15, LOS 50.h, i)

please explain the solution of this problem

The Solution is self-explanatory: ABS backed by credit card receivables have no prepayment options therefore prepayments are NOT path dependent, so the Z-spread is the most appropriate model.