gAlthough using your credit card can have benefits if you use it wisely, if you use it unwisely, it is easy to overspend, which is the biggest danger of borrowing. Unless you can pay your monthly balance in full, avoid using your credit card to:

$$ Meet basic living expenses

$$ Make impulse purchases, especially expensive ones

$$ Purchase nondurable $($short$-$lived$)$ goods and services

In the following scenarios, select which of these situations applies.

Charles is shopping with his daughter, who sees the very high$-$tech computer she$$s been saving for. Charles had a fight with her yesterday, and uses his credit card to buy the computer to make up with her. Charles is using his credit to $.$

Yakov$$s checkbook is overdrawn. If he doesn$$t pay his gas bill tomorrow, service will be immediately terminated. Yakov heats his house with gas and it$$s the middle of a very cold winter. He uses his credit card to pay his gas bill. Yakov is using his credit to $.$

When Ana has lunch or dinner at a nice restaurant, she uses her credit card to pay for the meal and tip. Ana is using her credit to $.$

For protection against getting into credit card trouble, except for occasional use for convenience, credit card purchases outlive the payments.