Question

you are considering making a major purchase on your credit card. you should ask yourself the following questions, except which answer choice?
a. would it cost me less if i came up with a different purchasing plan?
b. what else can i purchase to reach my full credit limit?
c. will i receive any incentives from my credit card company for making this purchase?
d. how much will my purchase really end up costing if i dont pay off the balance immediately?

Explanation:

Analyze the decision-making process for major credit card purchases

Using the Responsible Credit Use knowledge point

When considering a major purchase on a credit card, a responsible consumer evaluates the financial impact and alternatives:

• Option (a) is a responsible question to ask to minimize costs.
• Option (c) is a reasonable question to ask to evaluate rewards or benefits.
• Option (d) is a critical question to ask to understand the long-term interest costs.
• Option (b), asking how to spend more to reach the maximum credit limit, is financially irresponsible and leads to high credit utilization and debt.

Therefore, option (b) is the exception.

Answer:

• a. Would it cost me less if I came up with a different purchasing plan?
• b. What else can I purchase to reach my full credit limit? (Correct answer)
• c. Will I receive any incentives from my credit card company for making this purchase?
• d. How much will my purchase really end up costing if I don't pay off the balance immediately?