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Which of the following is least likely to be a warning sign that one's debt is at a critical point? a. all credit cards are at their limits b. having several credit cards c. making only minmum payments on credit cards d. using cash advances to pay bills

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B.) Having Multiple credit cards.

You can have multiple credit cards and still manage them well, it just takes careful thought and awareness of how much money you have.
I think is b. having several credit cards