Question

which of the following are typically disadvantages of using a credit card?

does not count toward credit history
hard to use online
easy to overspend your means
must pay balance immediately
no cashback or other rewards
none of the above

Explanation:

• "Does not count toward credit history": Credit card usage does count toward credit history, so this is incorrect.
• "Hard to use online": Credit cards are commonly and easily used online, so this is incorrect.
• "Easy to overspend your means": One of the main disadvantages of credit cards is that the ease of use can lead people to spend beyond their actual financial capacity, as they are not using physical cash and may not feel the immediate impact of spending.
• "Must pay balance immediately": Credit cards typically have a grace period and you can pay the minimum balance (though paying in full is recommended to avoid interest, you aren't required to pay the full balance immediately in most cases), so this is incorrect.
• "No cashback or other rewards": Many credit cards offer cashback, points, or other rewards, so this is incorrect.
• "None of the above": Since "Easy to overspend your means" is a valid disadvantage, this is incorrect.

Answer:

Easy to overspend your means (the checkbox next to "Easy to overspend your means" should be selected)