1.which of the following is an advantage of consumer credit? a. it can allow you to save money if you time your purchases correctly. b. it can encourage customers to spend beyond their means. c. it costs more than cash purchases. d. it can earn extra money for lenders. 2.why is the finance charge important to consider when shopping for credit? a. the finance charge relates to how long you'll be paying the debt back. b. the finance charge is the total you'll have to pay for credit. c. the finance charge isn't available to all borrowers. d. the finance charge determines your credit worthiness. 3.the main purpose of advertising is to a. fool consumers. b. sell goods. c. entertain consumers. d. inform consumers. 4. if a housing boom occurs in the united states, the demand for carpenters will likely a. increase. b. decrease. c. greatly decrease. d. stay the same.