Which of the following is a disadvantage of using credit? a. the use of credit can allow you receive advance notice of sales.

b. the use of credit can lead to overspending.

c. the use of credit allows for the purchase of goods even when funds are low.

d. the use of credit can allow for the easier return of merchandise.

The correct answer is B. A disadvantage of using credit is that it can lead to overspending.

Explanation:

In finance and economics, credit is understood as the loan of money that a banking or financial entity gives to a company or person so that it uses the money at its discretion, with the commitment to return it on the agreed date plus the payment of some interests that will be higher or lower according to the confidence or score that the credit taker has regarding the credit giver.

A common method of credit use is that of credit cards, where the person consumes and the bank makes the payment, which will then require reimbursement of the expenses incurred.

The use of credit as a support for consumption can be detrimental in cases of over-expenditure, since people can incur expenses with money that is not their own, which they may not be able to answer after because of lacking the necessary liquidity to repay for it.

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