Which item reflects a recommended practice to avoid minimum usage requirements?

• A. Minimum usage requirements.
• B. No annual fee.
• C. Get a card with a generous rewards program.
• D. Choose a card with a high credit limit.

Answer: (A)

This question tests recognizing and avoiding terms that push you into unnecessary spending. Minimum spending requirements tie rewards or approval to spending a certain amount in a cycle, which can lead you to spend more than you plan just to get benefits. The best choice is the one that mentions minimum usage requirements because it directly flags this constraint—showing awareness of a condition you’d want to avoid when choosing a card. The other options describe features like no annual fee, a strong rewards program, or a high credit limit, which don’t address the risk of being required to spend a minimum to earn rewards.