Credit is available most readily to a. people who use it for good reasons b. people who can offer the most collateral c. people with a good credit rating d. anyone with a good job

c. people with a good credit rating

Explanation:

Banks and lenders use customer's credit scores to access their reliability in loan repayments.  The credit score rating is a strategy that banks employ to manage credit risk when lending out funds.  Credit risk is the possibility of a lender losing money as a result of a customer defaulting on a loan repayments.

Customers with good credit scores are low-risk customers. Their probability of defaulting on the loan is low. Lenders will be comfortable while advances credit to them.

Clients with poor credit scores posses a high risk to lenders. Should a bank decide to extend credit to them, they will likely charge them a high interest rate.

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