Question

1. part of being a smart consumer is being able to...

○ say no to an unnecessary purchase
○ use a credit card for the points without going into debt
○ discern when to open a retail store credit card and when not to
○ set up digital wallets and mobile payment

Explanation:

A smart consumer should prioritize avoiding unnecessary spending. Saying no to an unnecessary purchase is a fundamental aspect of smart consumerism as it directly relates to controlling impulse buys and spending only on what is needed, unlike the other options which relate to credit usage or payment setup (more about transaction methods or credit management nuances rather than core smart consumption of avoiding unneeded purchases).

Answer:

A. Say no to an unnecessary purchase