Final answer:
The risk of fraud is a disadvantage to having a credit card, compared to the other options like zero interest which may be a benefit. High-interest rates also pose a cost for those not paying off the balance each month.
Step-by-step explanation:
Among the choices provided, the risk of fraud is a disadvantage to having a credit card. Credit cards do provide the convenience of borrowing money, sometimes even with zero interest for an introductory period, but cardholders always face the potential risk of unauthorized transactions if their card details are stolen or misused. While zero interest can be a benefit for short-term borrowing, it should not be mistaken as a disadvantage. When considering how to manage credit effectively, it's crucial to understand that the interest rate charged on a credit card balance, which often ranges from 12% to 18% annually, does indeed represent a cost to those who carry a balance month-to-month. Understanding the terms of credit, including rewards, fees, and the annual interest rate, is essential for any cardholder who wants to make the most out of their credit while mitigating the risks.