Lucy has been constantly overstepping the credit limit on her credit card for the past five months. In this case, Lucy's financial advisor will most likely advise her to:

1)

approach the issuer of the credit card to increase the credit limit for future transactions.

2)

switch to a different credit card issuer who has better plans on credit limits.

3)

continue using the card until the issuer sends a notice.

4)

place a high priority on eliminating her credit card balance as quickly as possible.