I have this word problem - I need help in formula and answer. How do I know which formula to use?

The Bank of Hawaii reports that 7 percent of its credit card holders will default at some time in their life. The Hilo branch just mailed out 12 new cards today

A. How many of theese new cardholders would you expect to default? What is the standard deviation?

first part - is this a simple 7/12?

B. What is the likelihood that none of the cardholders will default?

C. What is the likelihood that at least one will default?