Question

Choose the most appropriate action for making a large purchase.
a.
use a credit card with attractive perks and high interest
b.
use a low interest credit card and wait until the last month to pay off debt
c.
even if you have to make a few late payments, use a credit card for simplicity
d.
pause before purchasing to ask yourself, "Do I need this item and can I afford it?"

Answer 1

d.

Pause and ask whether you need the item and can afford it. That avoids impulse buying, protects you from high interest or late‑payment fees, and lets you compare alternatives or save up. Options a–c risk costly interest, fees, and credit damage.