Melvin is 19 years old and wants to begin establishing a credit history. Which action should he take to meet that goal? A) Always say "credit" when asked "credit or debit?" at a store B) Ask his parents to cosign a credit card or add him as an authorized user on their credit card C) Any time he borrows money from a friend or family member, be sure to pay it back promptly D) Take out some private student loans, even though he doesn't need them because he has grants and scholarships