SAM SPENDTHRIFT is a college junior. He couldn't wait until he turned 21, so he could apply for a few credit cards. Here are some details about his profile: For each of Sam's actions, mark whether you think that factor improves (+) or decreases (-) his credit score. # Detail + or 1 He currently has 3 credit cards 2. He doesn't have any student loans 3 He has applied for 5 credit cards in the last year 4. He's had his first credit card for only 2 months 5. All of his 3 credit cards currently have a balance, as he has had trouble paying off his card each month 6 He has $4.000 currently outstanding on all his credit cards​