This is a test of commonsense with single/multi-choices. Complete the next sentence:

How to maintain your credit score in retirement
Pay your credit card bills on time.
Whether your earnings decrease with retirement or not, you remain responsible for making your payments on time. The credit agencies, which include both the credit card companies and the credit score reporting agencies, are less concerned with your income than with your ability to make your payments.

(1). Making your payments on time is the key, regardless of your income level. Keep the credit balance low compared to the credit limit.;
(2). Thank your credit card company for the help they provide you in establishing your cash intake. Double-check your account balances periodically to make sure you make regular payments on time.;
(3). However, if you are unable to pay your credit card payments on time, you may need to file a pay-off with the credit reporting agencies. Shop for items your credit card company will pay off.;
(4). You may not make your payments until you pay off your credit card debt and soon as you get back on track with your payments. However, if you can pay off your credit card debt on time, that is almost guaranteed.;
The answer is:
(1).