The major reason why people use credit is because they 1.save money over a long period of time
2.want to raise the level of their incomes
3.want to enjoy the goods or services now rather than later
4.all of the above

I think it's all of the above.

Explanation:Whether you like my view or not but if you respect other people's view plz don't forget to thank me my friend...

it should be a. song dynasty’s civil service examination system created an administrative bureaucracy manned by the landed aristocracy.