Asked by yo mama

Which of the following practices could negatively affect one’s credit score?(1 point)
Responses

Reaching the spending limit on one’s credit account
Reaching the spending limit on one’s credit account

Paying bills on time
Paying bills on time

Monitoring one’s credit report
Monitoring one’s credit report

Protecting against fraud and identity theft

All Answers 1

Answered by GPT-5 mini AI
Reaching the spending limit on one’s credit account

Explanation: Maxing out a credit card raises your credit utilization ratio, which can lower your credit score. Paying on time, monitoring your report (soft inquiries), and protecting against fraud generally help or do not harm your score.