Think about activities that can contribute to creating a strong credit history. Which of the following actions will contribute to this outcome?

$\backslash$table$[[$Will this activity help build a strong credit history?$],[$Have your cell phone and utilities billed in your name and pay the bills on time.$],[$Close most of your old existing credit card accounts$],[$Repay any outstanding loans late or after their due dates.$],[$Apply for a bank credit card and use it responsibly.$]]$

Which of the following is an indication that you are using too much credit and may be approaching or in financial distress? Check all that apply.

Having an asset repossessed

You pay your bills in full and on time.

Your credit card balances are within $30\%$ of the card's credit limit$.$

Using cash advances to pay other credit cards

Using debt$-$consolidation loans