In Trade Credit: experience and training in business \& industry; financial, marketing, production, purchasing knowledge & experience; staff; location are part of which C of credit? Capal Credit Conditions Gapacily Character In Trade credit, character can best be evaluated by: ratio analysis. examining the amount of expertise in the company. contacting credit references. determining if the client has any security or collateral. Which one of these are considered to be a Credit Warning sign? Paying bills on time Consolidation loan requests occurring more frequently Paying cash for all purchases Investing in RRSP