Making a misleading claim or statement in an advertisement intentionally (or carelessly) is known as false advertising and the given situation is an example of (A) False advertising.
What is false advertising?False advertising is the act of willfully (or negligently) making a false claim or statement in an advertisement and printing, sending, or otherwise publicly disseminating it in order to promote the sale of real estate, goods, or services.
If the advertising intentionally misleads the consumer as opposed to doing so accidentally, a false advertisement might be considered deceptive.
Many governments impose restrictions on fraudulent advertising.
Puffery cannot be shown to be true or incorrect because of its subjective nature.
False advertising can result from inaccurate descriptions of particular qualities, as opposed to exaggerations or overstatements.
When a claim is precise and quantifiable, it is less likely to be dismissed as mere puffery.
Therefore, the given situation is an example of (A) False advertising.
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Correct question:
An insurance company has published a brochure that inaccurately portrays the advantages of a particular insurance policy. What is this an example of?
a. False advertising
b. Unfair claims
c. Twisting
d. Defamation
What actions affect credit score?
Even one late payment has the potential to lower credit scores. Credit scores may also be impacted by high balances. If you close a credit card account, it might have an impact on how much credit you have available.
What is a credit score and how does it work?
A credit score, which runs from 300 to 850, provides information about a consumer's creditworthiness. If a borrower has a higher score, potential lenders will think more highly of them.
The number of open accounts, total amount due, payment history, and other factors that make up a person's credit history provide the basis for a credit score.
What does a high credit score mean?
Despite the fact that there are several ranges depending on the credit scoring methodology, credit scores are typically categorized as follows: fair between 580 and 669; good between 670 and 739; very good between 740 and 799; and exceptional between 800 and above.
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The interest on which of the following instruments is subject to taxation at the federal, state, and local levels?
A)Revenue bonds. B)Collateralized mortgage obligations. C)Public Housing Authority bonds. D)Treasury notes.
A municipal bond is a debt security that is issued by a state, municipality, or other tax-exempt entity; as a result, the revenue it generates is taxed at the federal level.
What instrument has government backing for principle and interest payments?
In India, a government bond is simply a contract between the issuer and the investor, in which the issuer promises to pay back the original amount and interest on the face value of the bonds held by investors. Mortgage Revenue Bonds (MRBs) are tax-exempt securities that state and municipal governments issue through housing finance agencies (HFAs) to assist in financing below-market interest-rate mortgages for first-time qualified homeowners.
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WAN YOU TELL THE DIFFERENCE?
Directions: Read each of the following statements and decide:
a. Is it describing an economic good or an economic service?
b. Is it describing a consumer product or an industrial product?
c. What classification(s) of consumer or industrial product is being described?
Write your responses in the spaces provided.
Statement
Good or
Service?
Consumer or
Industrial?
Classification?
Good
Consumer
Convenience
Ex.: Ice cream for private birthday party
1. Contact lenses for a person who
wears glasses
SS
2. Tractor for a farmer to harvest wheat
to sell to a local flour mill
3. New computer for a company's office
4. Paper purchased by a
magazine publisher
5. Robots purchased by an auto
manufacturer for welding
6. Rental of a cap and gown
for graduation
7. Computer repair for your
personal laptop
8. Copper wire purchased by
General Electric Company
9. A new postage meter for the
shipping department
10. Brand-name clothing for you to wear
to a party
11. Haircuts for your family
12. A wheelchair after you break your leg
The various Questions Resolves are:
Good Consumer ConvenienceGood Industrial IntermediateGood Industrial CapitalGood Industrial IntermediateGood Industrial CapitalService Consumer ConvenienceService Consumer ConvenienceGood Industrial IntermediateGood Industrial CapitalGood Consumer ConvenienceService Consumer ConvenienceGood Consumer ConvenienceWhat is economic service?Generally, A customer, business, or government that is willing to pay for an action or usage is said to have purchased a service.
Some professions that fall under this category are barbers, physicians, attorneys, mechanics, bankers, and insurance company employees, among others. The provision of some services is within the purview of the public sector.
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Difference between financial accounting and managerial accounting is: _________
Financial accounting is the process of gathering accounting data to produce financial statements, whereas managerial accounting is the internal accounting process used to account for corporate transactions.
What is Financial accounting?
The process of recording, compiling, and reporting the numerous transactions occurring from corporate operations throughout time is known as financial accounting. It is a particular branch of accounting. A business's financial transactions are summarised, analysed, and reported in the area of accounting known as financial accounting. Publicly accessible financial statements must be prepared in this. The process of documenting, compiling, and reporting transactions and revenue-expense generation over a period of time is known as financial accounting. Before expressing interest in working with the company, for instance, investors or sponsors must confirm an account statement.
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What is the nominal rate compounded quarterly is equivalent to an effective rate of 17 %?
1.36 percent, or an effective rate of 17 percent, is the nominal rate compounded quarterly.
Explain the term nominal rate?The term "nominal interest rate" refers to the interest rate before accounting for inflation.
The term "nominal" can also be used to describe the advertised or stated interest rate on a loan that is not adjusted for fees or interest that has already been compounded.The short-term nominal interest rate that serves as the foundation for other interest rates imposed by banks and other financial institutions is known as the federal funds rate, which is set by the Federal Reserve.Investors take the real interest rate into account rather than the nominal interest rate to prevent inflation from eroding purchasing power.The effective interest rate, or APY, is more relevant to lenders and borrowers than the nominal or stated interest rate because it is expressed as an annual percentage yield.Real interest rates and effective interest rates are not the same as nominal interest rates.For the nominal rate:
r = m × [ ( 1 + i)1/m - 1 ],
In which,
i is the effective rate = 17%r is the stated rate and m is the number of compounding periods = 2.r = 17 x [(1 + 17)/2 - 1] / 100 %
r = 17*8 / 100 = 136 / 100
r = 1.36 %
So, 1.36 %, or an effective rate of 17 percent, is the nominal rate compounded quarterly.
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What are the elements that should be considered in writing a research question?
Centred on a single subject or problem. Ability to support research with primary and/or secondary sources. possible to respond within the restrictions of time and reality. sufficient to provide a complete response.
Complex enough to take a dissertation or thesis to fully develop the solution. Describe your knowledge of the subject and any gaps in your understanding. In relation to the response, list the who (person), what (event), when (time), and where (location). Formalize your query. The query ought to be pointed and begin with words like what, how, does, are, is, etc. Your research question needs to be highly specific and narrowly focused on the area of study.
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An entity regulated by the New York Department of Financial Services must abide by which of the following obligations
Conduct risk assessments and produce annual reports is a obligation of an entity regulated by the New York Department of Financial Services.
What is risk assessment?A risk assessment includes the identification and evaluation of likely events that could endanger people, property, or the environment as well as the decision-making "on the severity of the risk examining the impact" while taking affecting factors into consideration. The method used to identify which risks are present or may arise in the workplace is known as a risk assessment. Which workplace hazards are most likely to harm employees and visitors is determined by a risk assessment.
The process or procedure where you: Identify hazards and risk variables that could have a negative impact is known as risk assessment (hazard identification).Analyze and evaluate the danger that the hazard poses (risk analysis, and risk evaluation).
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Do mortgage payments decrease monthly?
Yes, the mortgage payments can decrease monthly because of how your amortization schedule, the schedule of your payments tends to distribute the interest payments.
With a typical fixed-rate loan, no your mortgage payment then will not decrease over time. Thus, your mortgage payments' makeup tend to change over time because of your amortization schedule. So, whether your payments rise or fall after renewing the mortgage payment totally depends on the rate and amortization.
However, as the months and years go by, the principal portion of the payment tends to steadily increase while the interest portion tends to drop. Thus, your mortgage payment will considered to be the same throughout the life of your loan.
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Accounts payable appear on which of the following statements
A) Balance sheet.
B) Income statement.
С Statement of owner's equity
D Statement of cash flows.
Option A) Accounts payable appear on Balance sheet statements
A corporation that owes money to one or more creditors has an account payable (AP) liability.
Accounts payable is frequently confused with a company's direct operating costs. However, the expenses that account payable reflect are shown on the business's income statement and balance sheet, respectively.
Accounts payable (AP) is a general ledger account that shows a company's obligation to settle a recent debt with one of its suppliers or creditors.
Liabilities on the balance sheet are obligations that have not yet been paid, and these liabilities are referred to as accounts payable. Accounts payable are a crucial component of working capital and should be examined as part of working capital management.
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What is the main agricultural export of brazil, argentina, and uruguay?
Answer:
Brazil. soyabeans. Argentina. soyabeans and wheat
Does the United States import or export more?
The US has a protracted trade deficit because it imports a much greater amount of goods and services than it exports. GDP, exchange rates, and inflation rates are all impacted by the balance of imports and exports. The US is the world's greatest importer and second-largest exporter (next to China)
A significant chunk of the American continent is occupied by the United States of America, also referred to as the US or America. The United States is made up of 50 States, 9 Minor Outlying Islands, 5 Significant Unincorporated Territories, and 326 Indian Reservations. It is the third-largest country on earth in terms of total area and land.Several nations share its maritime borders, including Russia, Cuba, and the Bahamas. It is the most populated nation in the Americas and the third most populous nation worldwide with a population of more than 333 million. Washington, D.C., is the nation's capital city and financial hub.
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How did the New Deal change the role of government in the economy and society of the United States?
The New Deal altered the function of the government in a number of ways, including by integrating it more in the economy and citizens' private lives and by creating institutions and programmes to assist the populace, such Social Security.
It should be mentioned that under the Progressives, the American government assumed a more substantial and active role throughout the early Twentieth Century. For instance, Theodore Roosevelt was renowned for his pursuit of large-scale economic activities it should be mentioned that his successor. To greatly broaden the scope of federal government actions, bringing about immediate economic assistance as well as the words were taken from Roosevelt's acceptance speech for the Democratic presidential nomination on July 2, 1932. The following November, American voters overwhelmingly supported the Democratic pledge of a "new deal" for the "forgotten man" in response to the Hoover administration's failure to effectively combat the effects of the Great Depression.
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What is free trade Why do countries use free trade agreements?
Contracts between nations that grant access to each other's markets are known as free trade agreements. FTAs can compel regional industries to up their game and rely less on government aid.
Define the term free trade and its features?Contracts between nations that grant access to each other's markets are known as free trade agreements.
Local industries may be compelled by FTAs to up their game and become less dependent on government support.They can attract new investments, expand markets, and boost GDP.FTAs may expose a nation to issues such as local job insecurity, the deterioration of its natural resources, and the end of its traditional ways of life.Countries must weigh the domestic advantages of free trade agreements against their effects.Some advantages of free trade agreement are-
Also influencing foreign investment are free trade agreements. Investors will swarm into the nation. This provides extra funding for local industry expansion and domestic business growth. Additionally, it attracts U. S. dollars to numerous formerly distant nations.International corporations have access to these business opportunities thanks to free trade agreements. In order to develop the resources, multinational corporations work with local businesses and train them in best practices.To know more about the free trade, here
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Crystal Glassware Company has the following standards and flexible-budget data. Standard variable-overhead rate $ 6.00 per direct-labor hour Standard quantity of direct labor 3 hours per unit of output Budgeted fixed overhead $120,000 Budgeted output 20,000 units Actual results for April are as follows: Actual output 18,000 units Actual variable overhead $432,000 Actual fixed overhead $115,000 Actual direct labor 65,000 hours Required Use the variance formulas to compute the following variances. (Indicate the effect of each variance by selecting "Favorable" or "unfavorable". Select "None" and enter "0" for no effect (i.e., zero variance).) 1. Variable-overhead spending variance 2. Variable-overhead efficiency variance 3. Fixed-overhead budget variance 4. Fixed-overhead volume variance
1) Variable-overhead spending variance is computed at $42,000 (U)
2) Variable-overhead efficiency variance is computed at $66,000 (U)
3) Fixed-overhead budget variance is computed at $5,000 (F)
4) Fixed-overhead volume variance is computed at $12,000 (U)
The disparity between actual and anticipated numbers is known as a variance. Companies can calculate the difference between actual and anticipated revenue and spending values by performing a variance analysis.
Calculation:
1) Variable-overhead spending variance = Actual Variable Overhead - (Actual Hours * Standard Variable Overhead Rate)
VOSV = 432000 - (65000 * 6) = 432000 - 390000
Variable-overhead spending variance = $42,000 (U)
2) Variable-overhead efficiency variance = Standard Variable Overhead Rate (Actual Hours - Standard Hours)
VOEV = 6 (65000 - 54000) = 6 * 11000
Variable-overhead efficiency variance = $66,000 (U)
Standard Hours = 18000 * 3 = 54,000 Hours
3) Fixed-overhead budget variance = Actual Fixed Overhead - Budgeted Fixed Overhead
FOBV = 115000 - 120000
Fixed-overhead budget variance = $5,000 (F)
4) Fixed-overhead volume variance = Budgeted Fixed Overhead - Applied Overhead
FOBV = 120000 - 108000
Fixed-overhead volume variance = $12,000 (U)
Working Note:
Applied Fixed Overhead = (Predetermined Fixed Overhead Rate) * Standard Allowed Hours
Standard Hours Allowed = Actual Output * Standard Hours Allowed per unit
SHA = 18000 * 3
Standard Hours Allowed = 54000 hours
Applied Fixed Overhead = (Predetermined Fixed Overhead Rate) * Standard Allowed Hours
AFO = 54000 * 2
Applied Fixed Overhead = $108,000
Predetermined Fixed Overhead Rate = Budgeted Fixed Overhead / Budgeted Standard Hours
Budgeted Standard Hours = Budgeted Output * Standard Hours Allowed
BSH = 20000 * 3
Budgeted Standard Hours = 60,000 Hours
PFOR = 120000 / 60000
Predetermined Fixed Overhead Rate = 2
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The acquisition of treasury stock by a corporation
a. increases its total assets and total stockholders' equity.
b. decreases its total assets and total stockholders' equity.
c. has no effect on total assets and total stockholders' equity.
d. requires that a gain or loss be recognized on the Income statement.
The acquisition of treasury stock by corporation decreases its total assets and the total stockholders' equity.
What is acquisition?An acquisition is when one company buys the majority of shares—or all of them—of another company in order to take over that company. To be able to decide on newly acquired Assets without the other Target Business Shareholders' permission, the Acquirer must purchase more than 50% of the Shares and other Assets of the Target Company. Acquisitions take place frequently in business and may do so with or without the consent of the target company. During the approval process, a no-shop clause is typically present. For a variety of reasons, businesses acquire competitors. They might look for economies of scale, increased synergy, new specialized products, increased market share, or cost-cutting strategies.
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What is the impact of economic globalization to development?
Globalization is making the rich richer and the poor poorer. The health and education system in developing countries has benefited in a positive way due to the contribution of globalization. Education has increased in the recent years because globalization has created jobs that require a higher education.
What are the characteristics of globalization?For businesses engaged in production and distribution, this idea has made economies of scale possible. Additionally, it has promoted technology transfer and outsourcing between businesses and nations, strengthening their reliance.Globalization is the process that allows for seamless cross-border movement of people and things. It is primarily an economic idea: the integration of markets, trade, and investments with few obstacles preventing the free movement of goods and services across states.In general, elements related to economics, finance, politics, technology, and society have prepared the path for globalization. Lower trade and investment barriers are the key economic determinants.Globalization, which includes concerns about capitalism, economic justice, health, migration and immigration, communication, boundaries, education, etc.To learn more about the characteristics of globalization refer to:
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What determines the value of resources?
Natural resource utility is influenced by the cost of processing a resource, its worth, time, technology, and human abilities.
The economic value of a resource is determined by its utility.The price or sum that someone is willing to pay in the market is known as market value, and it is determined by supply and demand. The advantage received from a good or service by a person or business is measured in terms of economic value. Demand and supply for the good or service are determined by how much weight customers now and in the future attached to the four components of value: utility, scarcity, desire, and effective purchasing power.Procedures for Getting Valuesprivate market data (adjacent private markets)Federal rangelands grazing allotments, for example, are examples of non-competitive marketplaces where quasi-market data was collected.To know more about resources here
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A family eats at a restaurant. The bill is $42. The family leaves a tip and spends $49. 77 total. How much money does the family tip?.
If the bill was $42 and that family leaves a tip and spends $49.77 total. So, the family leaves a tip $7.77. The amount of the tip in dollars is calculated as:
= $49.77 - $42
= $7.77
Money can be described as a commodity that accepted by general consent that as a medium of economic exchange. A medium of economic exchange is the medium which values and prices are expressed.
Tip can be described as the particular sum of money that some people given to another people who offer services in hospitality. Tip is also a form of appreciation that some people give for their good services. Tips have the formal and fancier word or name that is gratuity. Word gratuity expensive variety because that word makes feels formality that suited for describing tips of the dignified. For example, gratuity used for the services in place restaurant's maître d'.
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Why do interest rates on loans tend to be lower in a week economy then a strong one?
Generally, in veritably strong profitable expansions, businesses' desire to invest in shops and outfit and individualities' desire to invest in casing tend to drive interest rates up.
During ages of weak profitable conditions, business and casing investment falls and interest rates tend to decline. The further banks can advance, the further credit is available to the frugality. And as the force of credit increases, the price of borrowing( interest) decreases.
The lower the interest rate, the more willing people are to adopt plutocrat to make big purchases, similar as houses or buses . When consumers pay lower in interest, this gives them further plutocrat to spend, which can produce a ripple effect of increased spending throughout the frugality.
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What are the main components of measuring gross domestic product?
Gross domestic product (GDP) is the total market value of all goods and services produced in a country during a given time period. The main components of GDP measurement are consumption, investment, government spending and net exports.
Consumption measures total household spending on goods and services. Investment measures the total expenditure of businesses on capital equipment, supplies and structures. Government expenditure is the total expenditure by the government on public services and goods. Net exports measure the difference between the total value of exports and the total value of imports. All of these components are added together to measure the total value of output for a country, which is GDP.
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Why are the six dimensions of health important?
Emotional, occupational, spiritual , social, intellectual, and physical wellness are the six dimensions of wellness.
Over time, the definition of spirituality has grown and changed, and multiple definitions coexist with one another. The term "spirituality" has historically been used to describe a religious reformation process that "aims to reclaim the original shape of man," aimed towards "the image of God," as demonstrated by the founders and holy texts of the world's faiths.
The phrase was first employed in early Christianity to describe a life lived in accordance with the Holy Spirit, and it was expanded to encompass mental facets of life during the Late Middle Ages.
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What are 7 steps to having healthy eating habits?
Learn to barter (and plan ahead), Recognize portion distortion, Reduce your sodium (salt) intake, Choose more fruits and vegetables ,Limit unhealthy fats , Select whole grains ,Treat yourself regularly to avoid deprivation are 7 steps to having healthy eating habits.
What does "balanced diet" mean?
All of the key nutrients that the body need are included in a balanced diet.
A well-balanced meal must contain a variety of nutrients, including water, fats, proteins, fiber, vitamins, minerals, and carbohydrates. The risk of disease is reduced, and overall health is improved, by eating a nutritious, well-balanced diet.
What is a balanced diet and how crucial is it?
The nutrients your body requires to function properly are provided by a balanced diet. Your body is more vulnerable to illness, infection, exhaustion, and poor performance without a balanced diet.
Lack of adequate food intake in children can lead to issues with growth and development, poor academic performance, and recurrent infections.
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What is required when a scrum team says a product backlog item is done?
This is done by inspecting the work since the last Daily Scrum and forecasting the work that could be done before the next one. The Sprint Review is held at the end of the Sprint to inspect the product increment. During the Sprint Review, the Scrum Team and stakeholders review what was done in the Sprint.
Define product backlog?The term "product backlog" in agile project management refers to a prioritized list of features that a product should have. Within the agile software development framework, it is referred to as a "artifact" and is occasionally called a to-do list.A development team's prioritized list of tasks is called a product backlog and it is formed from the roadmap's needs. To help the team decide what to provide first, the most crucial items are displayed at the top of the product backlog.A prioritized features list with brief explanations of every piece of required product functionality makes up the agile product backlog in Scrum. When using Scrum, it's not required to spend a lot of time and effort at the beginning of a project documenting all the requirements.To learn more about product backlog refer to:
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In order to make sure that action items are completed, which of the following are often included in the meeting minutes
The meeting's title ought to be included in the minutes; the time, place, and date; the names of everyone present, including staff, as well as the person taking the minutes; and the schedule.
Option D is correct
Why are the meeting minutes referred to as minutes of the meeting?Meeting minutes are completely unrelated to time. The term actually comes from the Latin phrase "minuta scriptura," which translates to "small notes." As a result, taking minutes of a meeting basically entails distilling the discussion to the essential points. Participants can easily access the information discussed during the meeting and streamline future activities thanks to minutes. The immediate written record of a meeting or hearing is known as a minute, also known as a minutes of meeting protocols or notes.
What are the four purposes that meeting minutes serve?Inform team members who are not present of the discussion and the decisions made. serve as a record of the conversations for future use. Informative "takeaways" for meetings should be provided. Provide action steps as reminders.
Question is incomplete,missing part is given below :
A.the names of the people responsible for each action item
B.-the date by which each action item must be completed
C. -the names of the people who were absent from the meeting.
C.-All of the above
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A spot rate may be defined as
A spot rate is easiest described as a negotiated price for a transaction that happens right away (i.e. providing the on-the-spot price there and then).
What is a spot rate?The price quoted for immediate settlement on an interest rate, commodity, security, or currency is known as the spot rate.
The current market value of an asset that is available for immediate delivery at the time of the quote is known as the spot rate, commonly referred to as the "spot price."
The simplest way to characterize a spot rate is as a price agreed upon for an immediate transaction (i.e. providing the on-the-spot price there and then).
The discount rate needed to bring a zero-coupon bond's present value (PV) down to its price is used to determine the spot rate.
These are predicated on expectations for future interest rates.
Therefore, spot rates may employ various interest rates throughout the years leading up to maturity.
Therefore, a spot rate is easiest described as a negotiated price for a transaction that happens right away (i.e. providing the on-the-spot price there and then).
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Is compound interest better than simple interest when you are the borrower?
Because you aren't paying interest on interest, simple interest is preferable for borrowers. Simple interest makes debt repayment simpler.
Because your earnings also generate income, compound interest can assist you in amassing wealth over time. Because you can earn interest on interest, compound interest is frequently the best option when saving money. But if you need a loan, a simple interest loan can be a better choice because it might result in lower overall expenditures.
Because simple interest keeps total interest payments lower than compound interest, it is better for borrowers. Simple interest is used in the monthly amortization of auto loans and retailer installment loans. As the loan balance decreases with each monthly payment, so does the interest.
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What are the effects of unemployment on the economy and on individuals?
Unemployment affects the individual and his family, not only regarding income, but also with respect to health and mortality. It's effects on the economy are inversely severe.
The longer the severance goes on, the more severe the health consequences, with increased depression and other health issues worsening over time. In addition to the egregious loss of income, jobless workers were set up to have lost musketeers and tone-respect. Also, the longer the unemployment goes on it becomes more delicate for the worker to find employment again — both because employers are cautious of the long-time jobless and also because over time, jobless workers lose job chops. Some of the goods of severance are immediate and egregious. When severance increases, both state and civil governments pay increased severance benefits. These aren't inconsiderable.
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What happened to Huey Long?
Huey Long was a governor of Louisiana, and the United States Senator from Louisiana who was assassinated in 1935.
Huey Pierce Long Jr. also referred to as by his nickname The Kingfish, was the governor of Louisiana serving from 1928 to 1932, then he went on to become the United States Senator from Louisiana from 1932 up until his assassination in 1935. He was a controversial figure known for his populist policies and strong-arm tactics. He was shot by Carl Weiss, the son-in-law of a political opponent, while giving a speech at the Louisiana State Capitol building. Long died two days later from his wounds. The assassination of Huey Long shocked the nation and led to a power struggle in Louisiana politics.
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Work and/or assignments performed in a career are _____.
values
tasks
interests
employees
Answer is task, got 100% in edge.
Work and/or assignments performed in a career are interests which is option c.
What exactly is an assignment?A duty that you have been given by a higher authority is known as an assignment. The word "assignment" is merely a noun form of the verb "to assign," which is used to give someone a task or a job. The object you assign is referred to as an assignment.
What is another term for a task?Chore, duty, job, stint, and task are some frequent synonyms for assignment. All of these phrases refer to "a task to be completed," but "assignment" denotes a specific, constrained duty given by a higher authority. a task for a reporter.
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What happens if I pay my credit card a day late?
If at all possible, settle the past-due bill in full within 30 days after the missed payment. you'll prevent your account from defaulting. Your scores may suffer another hit if the account remains unpaid for another 60 days.
What are the consequences of late payment?Making a late payment can feel harshly penalised. But don't let it stop you from pursuing your long-term financial objectives. With time, effort, and patience, credit scores can improve.
The best course of action is to begin trying to restore your on-time "payment streak," even if it only entails making the bare minimum payment each month.
Over time, the influence on your scores can be lessened by consistently making on-time payments and actively lowering the amount you owe.
One of the most important factors that banks and issuers take into account when determining whether or not to approve you for credit is your payment history.
A long history of on-time payments demonstrates that you are a trustworthy borrower.
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