The goal of any credit card holder should be to a. run up as much debt as possible. b. use the bankruptcy filing as a way to reduce debt. c. avoid excessive credit card debt. d. pay the least possible each month.

The goal of any credit card holder should be to C.) AVOID EXCESSIVE CREDIT CARD DEBT.

Credit cards are used for the purpose of convenience. Instead of bringing cash to pay for purchases, credit cards are swiped as payment for said purchases. These cards are short-term loans. Its balance should be paid before due date to avoid paying for interest. Its use should not be abused.

Renting provides greater flexibility but can lead to higher costs in the long term.answer: b) or the second option.