What is one effective strategy for managing credit card debt? O A. Spending your full credit limit before making a payment
OB. Ensuring that all of your credit card bills are paid on time
Oc. Replacing low-interest credit cards with high-interest options
OD. Paying only the minimum monthly payment on all credit cards

B. Ensuring that all of your credit card bills are paid on time

Explanation:

A credit card charge interests on outstanding balances and late payments, among other items. Interests in outstanding balances form a big proportion of credit card charges. Therefore, if one can avoid interest on these balances, their credit card charges will reduce greatly.

Paying the entire balance on the credit card statement ensures one does not incur any interest. Ensuring that all of your credit card bills are paid on time is the most appropriate way of managing credit card debts.

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