Tony has 1 credit card with a credit limit of $5000. he usually charges the maximum each month. he has made 8 late payments in the past year. his house recently went into foreclosure. which is most likely to occur?

a.
he will be approved for a car loan.

b.
his application to rent an apartment will be approved.

c.
he will pay a low interest rate on a new loan.

d.
he will have a low credit score.