Answer:
B. If you want to build a good credit history
Explanation:
In general, using credit means you don't need to carry a lot of cash, and you do need to pay interest on the money borrowed. Using credit wisely builds a history of reliability as a borrower, so generally means more credit will be available at lower interest rates when you might need it.
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You might use credit if you want to build a good credit history.
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Additional comment
The credit industry has the sole purpose of making money from a person's need for instant gratification. Most purposes for which credit is used can be accomplished by saving money over time, and paying cash.
The industry furthers its goal by selling the idea that you need a good credit rating. That is achieved by maintaining several open and active credit accounts.