Each of the following is a disadvantage of using credit cards except: a. often involves going into debt b. places a claim on future income c. does not seem like spending real money d. interest free loan if balance is paid off monthly

The correct answer is D. Interest-free loan if the balance is paid off monthly

Explanation:

Credit cards are cards that allow people to pay for goods and services without having to pay immediately, but based on a promise of paying the total amount of money plus some charges agreed after a certain time. As other pay systems credit cards have advantages and drawbacks, some drawbacks include the fact that credit cards differ from real money, usually imply the use of a debit card in which you use the money or your bank account to pay for services and the fact that using too  much your credit card will have a negative effect on your bank account and income due to the charges. However, if the balance (the amount of money that you own to the bank) is paid off monthly you will be not charged with interest, but if you do not pay, the charges will increase every month. Thus, an advantage of credit cards is that if you pay every month the balance you will avoid the interest loan, which is positive for your bank account.

christopher columbus (1492–1504)

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all the other answers are wrong