Ralph is purchasing a new gaming system for $300.00. He is trying to decide whether he wants to use cash or his credit card to pay. He has $400.00 available in his checking account to pay for the system in full. Which of the following is not an argument that justifies Ralph’s use of his credit card to purchase the gaming system?

Ralph has enough money to pay the $300 cost, so carrying the balance for a long time is not a good reason to use credit. It could lead to interest charges and leave him owing more than the purchase price. Choice B is not a sound argument; using the card and paying it off immediately to build credit, as in choice C, can be a reasonable justification.

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