Question

which helps to establish a negative credit history?
○ make payments on or before the due date.
○ never miss a payment.
○ pay off the full amount with the first monthly statement.
○ pay less than the minimum amount due.

Explanation:

To establish a negative credit history, actions that show irresponsible credit behavior are involved. Making payments on/before due date, never missing a payment, and paying off full amount with first monthly statement are all positive credit - building behaviors. However, paying less than the minimum amount due is a sign of not meeting credit obligations, which will harm the credit history.

Answer:

D. Pay less than the minimum amount due.