The correct answer is option D Cross-object formula field is the feature to be used by the system administrator to capture the account credit status on opportunities. A Cross-object formula is a formula that captures related objects and references.
It merges fields on those objects. A cross-object method can reference merge fields from a master object if an object is on the retail side of a master-detail relationship. It also works with lookup relationships. A cross-object formula is available anywhere methods are used except when creating default values. A cross-object method can be used to reference fields from objects that are up to 10 relationships away.