Two forms of consumer credit are revolving (or open) credit and installment (or closed credit). All of the following characteristics are representative of revolving credit, except for one. Which of the following is generally NOT a characteristic of revolving consumer credit? O higher interest rate, as compared to installment debt O flexible repayment schedule o smaller loan amount, as compared to installment debt O pre-determined repayment date (when loan needs to be paid off) Which of the following elements is most heavily weighted in the FICO credit score calculation? O history for making timely debt repayments O amount of credit still available and the total amount of debt owed O length of credit history o experience with different types of consumer credit O recent applications for new credit sources