Decide how each action would affect your credit score.

you make more than minimum payments before the due dates.
you missed a credit card payment in november and paid a late fee.
you opened three new credit card accounts in a month.
your employer gave you a raise, so your income increased.
the balance on your credit card is close to the credit limit.

You make more than minimum payments before the due dates.

This will improve your credit score as the financial institution will relize that you are paying faster than needed so you are a person that is reliable for credit.

You missed a credit card payment in November and paid a late fee.  

Even though you paid a fee, the credit score will be affected negatively as you did nt comply with the payment on time.

You opened three new credit card accounts in a month.  

This will diminish your score as credit bureaus will note that you might be asking for more credit of what you can actually pay.

Your employer gave you a raise, so your income increased.  

This would be good for your credit score only if you dont get more credit and fail to pay. An increase in the wage is healthy from financial perspective but only if it is well managed.

The balance on your credit card is close to the credit limit.

This is irrelevant to your credit score if the limit is overpassed then it might be a problem... at the end the credit score is affected just by the defaults or late payments but not for approaching the limit.

answer; commerce clearing house;

hi there, i would say your answer is:

b. there is a fixed quantity of resources and technology available.

hope that : )