With the economic good times and peace of the 1920s, Americans found themselves focusing on new consumer opportunities available to them. From automobiles to radios, the buying options grew
greatly for Americans. Many Americans began borrowing money (opening lines of credit) to buy what
they wanted and needed How could consumer credit be a good thing? What down sides can
Consumer credit have?

Consumer Credits advantages :

- Consumer Credits can be used when there is an emergency.

- It presents the opportunity for consumers to purchase expensive goods when they don't have the money to pay the cost of the goods all in one time, like real estate or stocks.  

- Consumer Credits allow the person to buy more than what they can afford.

Consumer Credits disdvantages :

- People sometimes make bad habits by spending way more than what they can actually afford.

- A persons next salary can be compromised to make payments for the goods they buy now.

the answer is b.

hope this !

both include an amendment process.