Paraphrase this:

if you max out a credit card, every month or are late on payments or don't make the minimum required payment, your credit history and your credit score will be adversely affected.

You can adversely affect your credit score and your credit history by maxing out your credit card every month, not paying the minimum payments, or being late on payments.

bad answer your dumb

explanation:

dumb

the correct answer is the first one.