Question

what is the difference between convenience users and borrowers?

payment of the full balance versus carrying over a balance
the credit limit amount of the consumer versus the balance amount
payment amounts that are more than $1,000.00
the amount of credit used by a consumer versus a business
the interest rate charged to the consumer versus a business

Explanation:

Convenience users of credit pay off their entire balance each billing cycle to avoid interest, while borrowers carry over a portion of their balance and incur interest charges. The other options do not describe this core difference: credit limit vs balance, payment size thresholds, consumer vs business credit use, and interest rate differences are not the defining distinction between these two user types.

Answer:

Payment of the full balance versus carrying over a balance