What is a disadvantage of using credit?

The correct answer highlights a significant risk associated with using credit. When consumers use credit, they are borrowing money that needs to be repaid, often with interest. If not managed carefully, this can lead to a situation where a person accumulates more debt than they can handle. This scenario is exacerbated by the temptation to overspend, as credit availability can create a false sense of financial security. If individuals do not monitor their credit usage, they might find themselves facing overwhelming debt obligations, which can impact their financial stability and credit score.

Building a positive credit history is, in fact, an advantage of using credit, as responsible use can demonstrate reliability to future lenders. The opportunity to leverage more money is another potential benefit, allowing individuals to invest or make larger purchases. Finally, the ability to make online purchases is a convenience offered by credit but does not inherently relate to a disadvantage. Therefore, while these options present benefits, the correct answer focuses on the very real risk of mismanaging credit, leading to significant financial consequences.