Answer:
1. the action is illegal
2. it violates these standards
3. the credit card company and the credit card users are affected
Explanation:
1.
julie's actions are illegal because she is Sharing confidential and personal information with her friends.
2.
she is violation both business and professional standards by sharing these informations as this is against work and professional ethics
3.
those affected are the credit card company and the credit card owners. because she has given out the personal informations of these people as related to their credit card transactions. the credit card company may be in trouble if these people should decide to take legal action.