Why is it important to use credit responsibly?

A. Credit can allow people to make large purchases and pay for them over time, but, used irresponsibly, it can also lead to serious debt and financial problems.

B. Credit can prevent people from spending all of their discretionary income, but, used irresponsibly, it can also reduce deficits in personal budgets.

C. Credit can teach people sound financial habits, but, used irresponsibly, it can also force people to buy goods and services that they don’t really need.

D. Credit can help people avoid impulse purchases, but, used irresponsibly, it can also encourage them to invest their money in risky stocks and bonds.