Answer:
D. Having a balance in the checking account at least 10 times per year
Step-by-step explanation:
Positive credit history is an indication of the responsible use of credit facilities and good money management skills. A young person can rely on good credit history to qualify for bigger loans such as auto and apartment loans. Potential employers also look into credit history.
To build a good credit history, one has to demonstrate discipline in the use of credit facilities. Having a limit on a credit card is a good way of controlling debt. Making early payments and a growing saving account indicates good money management skills.
Having a balance in the checking account at least ten times per year does not help build a good credit history. Lenders will doubt the ability to pay if there are no cash inflows in a checking account.