Multi-select problem: How does the next paragraph end?

How to maintain your credit rating
Use a credit card for everything.
It might seem counterintuitive, but people with excellent credit use their credit cards more than most people, and they pay for everything on the card on time all the time.
The difference is in the way they see the card itself.

Select from the following. a). Those with excellent scores think of it as the dominant form of currency, representing the money they have in the bank. People whose scores are only fair often think of the card much differently, as an extravagance to be used sparingly.. b). People with excellent credit use also like to pay their credit cards more frequently, so thinking through all of your financial problems in one meeting will give you an answer point. Counting credit accounts before a meeting will also help the other person see if credit cards that may get too expensive will benefit them.. c). Make your credit card log easy for you to review. Go back and review the debt on the card for your accumulated credit.. d). Some credit cards have full ratings written on the back of it. Other credit cards have one big rating, namely the one you've earned from a higher credit rating than that you paid for from a lower, which you later upgrade to earn back cash..
a).