Question

melvin is 19 and wants to establish a credit history. what should he do?
a ask his parents to cosign a credit card or add him as an authorized user
b always say \credit\ when asked \credit or debit?\
c borrow money from friends or family
d take out student loans he doesnt need

Explanation:

Taking out unnecessary student loans (Option D) is not a good way to build credit. Cosigning (Option A) can involve risks for parents. Always saying "credit" (Option B) is an unhelpful and incorrect approach. Borrowing from friends/family (Option C) also has issues. Building credit should be through responsible and relevant means.

Answer:

None of the options are ideal for properly establishing a credit history. However, if forced to choose from the given options, none of them are correct as they don't represent sound credit - building practices. But if we assume the question has a typo and we consider the general credit - building knowledge (not exactly matching the options), a better way would be to get a secured credit card (not listed here). But based on the provided options, there is no correct answer among A - D as presented.