Maybe you pay all your bills with cash , maybe you?re a student , maybe you have never needed a loan for anything . All this will have an effect on your history . Don?t be upset ... if you?re like most people you will get a credit history far sooner than later .

Based on the preceding passage, choose your answer for question What may be the reason for this advice ?
Choices:
(a). The person is applying for a credit line ..
(b). They person needs to get a line of credit ..
(c). The person is worried about why they have no credit ..
(d). None of the above choices ..
The answer is:
(c).