What ia the problem with paying only your minimum credit card balance each month

Paying the minimum is tempting, especially if your budget is tight. But the less you pay now, the more you'll pay later. Carrying a credit card balance not only means you'll be in debt longer, but it also means you can rack up massive amounts of interest, thanks to exorbitant, oftentimes double-digit interest rates.

none because there is no words that describe a noun and give a mood

to eliminate ambiguous remote or broad reference it is necessary to focus on anaphoric reference. by definition "anaphoric reference means that a word in a text refers back to other ideas in the text for its meaning." the references should be clear and leave no room for ambiguity.

in the first case the pronoun it probably refers to the car but it has not been mentioned before so we should replace it for the car. in doing so the statement becomes clear.

in sentence number   two   the pronoun he refers to charles dickens the author. yet, the first half of the sentence is about the book a tale of two cities. to repair this it would be better to rephrase the first half : after i read   a tale of two cities by dickens, he so as to remove the remote reference.