Transcription: Your answers indicate that you have good borrowing habits, although you may want to improve them. Remember, borrowing is not as costly if you understand how to make it work for you. Try to limit the number of credit cards you use and how often you use them. If you have several credit cards you're not using, cut them up and return them to the creditors so the cards don't count against you. Request that all closed accounts be reported to the credit bureau. Make more than the minimum payment when possible and always Always make your payments on time. Plan shopping so you don't use credit cards mo ...