Question

Which of the following is least likely to be a warning sign that one's debt is at a critical point?
a.
all credit cards are at their limits
b.
having several credit cards
c.
making only minmum payments on credit cards
d.
using cash advances to pay bills

Answer 1

b.

Having several credit cards by itself isn't necessarily a warning sign — it's the balances and behaviors (cards maxed out, only making minimum payments, or using cash advances to cover bills) that indicate debt is critical.