Question

Which of the following is not a benefit to using credit instead of cash?
a.
Using credit can help you build a good credit rating.
b.
Using credit allows you to make impulsive buys.
c.
Using credit makes it easier to track your spending than cash.
d.
Using credit offers a convenient source of funds in an emergency.

Answer 1

b. Using credit allows you to make impulsive buys.

That is generally a drawback, not a benefit, because credit can encourage overspending and debt.