One effective way to manage credit card debt is to: A. exaggerate your income when applying for a credit card.

B. spend your entire credit limit before making any payments.

C. replace high-interest credit cards with low-interest options.

D. always pay only the minimum payment required each month.

C. replace high-interest credit cards with low-interest options.

Explanation:

A credit card provides a secure and convenient way to pay for goods and services even when they do not have money. The credit card gives the user access to instant credit every time they use it. The user does not incur any charges should they pay the amount due before its due date.

Credit card interest rate charges are among the highest in the industry. If the user is late in their payment, the interest fee and other charges accumulate real quick. Shifting to cards with lower interest is one way of managing credit card debts.

answer a is correct answer