Select all TRUE statements generally speaking, for credit capacity they mean the ability to afford a loan a disadvantage of credit is that it could lead to overspending cosigning a loan is always a good thing to do because it helps the borrower and the cosigner does not take any risk the five Cs of credit are Character, Capacity, Capital, Collateral and Cosigner open end credit gives the borrower a line of credit and charges interest for the use of credit people worry too much about the scores provided by the bureaus: in reality they are rarely used if two individuals with considerably different credit scores qualify for a loan, it is pretty much guaranteed that they will be offered the exact same interest rate. an advantage of credit is that it allows to enjoy goods and pay for them in the future