Question

the ratio is a critical factor in calculating your credit score, representing the amount of credit you use compared to your total credit limit.
making only the payment on your credit card can result in accruing interest on the remaining balance.
paying your credit card bill in full each month avoids charges.
keeping your low on credit cards is a good strategy to maintain a healthy credit score.

Explanation:

• The first blank is about the ratio of credit used to total credit limit, which is the credit - utilization ratio.
• Making only the minimum payment on a credit card leads to interest on the remaining balance.
• Paying the credit card bill in full each month avoids interest charges.
• Keeping the credit - utilization ratio low helps maintain a healthy credit score.

Answer:

1. credit - utilization
2. minimum
3. interest
4. credit - utilization ratio