What is one effective strategy for managing credit card debt?

O A. Spending your full credit limit before making a payment

OB. Ensuring that all of your credit card bills are paid on time

Oc. Replacing low-interest credit cards with high-interest options

OD. Paying only the minimum monthly payment on all credit cards

What is one effective strategy for managing credit card debt? A. Spending your full credit limit before making a payment B. Ensuring that all of your credit card bills are paid on time C. Replacing low-interest credit cards with high-interest options O D. Paying only the minimum monthly payment on all credit cards