Review pp. 517–520. Describe your experience with credit and credit cards in a brief paragraph using at least five adverbs and five adjectives in your description. Bold the adverbs and underline the adjectives. What is the most effective way to determine whether a word is an adjective or an adverb?

2 answers

I have never owned a credit card. I do not believe in them and I do not plan on ever owning one. I do not know what my credit score is because it usually cost money to get a credit check. However, I believe that my credit score is low, because of hospital bills. As of right now I am in the process of building my credit.
adverbs are; owned, believe, cost, low and process
is that correct? what are the adjectives?
owned = verb

believe = verb

cost -- should be "costs" = verb

low = adjective

process = noun

Adverbs: never, not, not, ever, not, usually

Adjectives: credit, credit, low, my

I'm not sure how you want to deal with "As of right now"!! The whole phrase is adverbial.