If you do not manage your debt wisely, your credit score will go down.
The correct answer is c) Your credit score will go down.
Here’s some additional context:

• Your credit score is a numerical rating that lenders use to assess your creditworthiness and ability to repay debt. It ranges from 300-850 for the FICO scoring model.
• Payment history is the biggest factor affecting your credit score. Missing payments or making late payments can significantly lower your score.
• Amounts owed, including your credit utilization ratio (balances vs. total credit limits), is another major factor. Carrying high balances close to your limits can hurt your score.
• Not managing debt wisely by missing payments, maxing out credit cards, or defaulting on loans will negatively impact your payment history and amounts owed – thus driving your credit score down.

So managing debt responsibly by making payments on time and keeping balances low compared to limits is crucial for maintaining a good credit score. Failing to do so will cause your credit score to decrease.