16. Which is NOT included in an individual's CCRIS credit report? A. Current and past addresses B. Saving balances C. Loan balances D. Repayment for last 12 months 17. Gopal earns RM5,000 per month at his engineering job. He has a student loan payment of RM620, a car repayment of RM1,000 and a balance of RM9500 on his credit card. Which statement is TRUE? A. Gopal's total credit payments are higher than the recommended amount for someone earning his income. B. Gopal's student loan payment must be subtracted from his car loan payment to determine whether his overall credit payments are within the safe range. C. Gopal's student loan payment is within the safe range but his car loan is not D. Gopal's credit payments are within the safe range for someone with his income. 18. Lina is trying to explain the difference between open-end and closed-end credit to her roommate. Which should she include in her description of closed-end credit? A. It is a continuous loan the borrower must repay with a revolving balance. B. Equal payments are required on a regular basis until the loan is repaid. C. Credit limits vary depending on the loan balance. D. Interest rates vary depending on the repayment history, 19. Sunday is trying to be responsible in using his new credit card and has heard there is a way to avoid paying interest on the things he charges. How can he legally avoid paying interest when using his credit card? A. Sunday needs to make sure he pays the minimum balance every month before the due date on the credit card statement B. Sunday needs to pay the credit card balance in full every month before the due date listed on the credit card statement C. Sunday needs to limit the use of his credit cards to balance transfers only. D. Sunday needs to understand that the use of a credit card requires paying interest. There is not a legal way for him to avoid paying interest if he uses his card during the billing cycle