Which action would most likely harm a person’s credit score? A. Researching a credit card’s interest rate
B. Completing a credit card application
C. Spending a small portion of a credit limit
D. Failing to pay minimum monthly payments
Which action would most likely harm a person’s credit score?
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The correct answer is D. Failing to pay minimum monthly payments.
Explanation: Failing to make at least the minimum payment on a credit card can lead to late fees, increased interest rates, and a negative impact on your credit score. Payment history is one of the most significant factors affecting credit scores, so missing payments can significantly harm your creditworthiness.
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