The best answer to the question is:
OB. Smart people never borrow more than 80% percent of their credit limit.
Explanation:
1. Borrowing up to your credit limit can have negative consequences such as impacting your credit score and increasing your debt burden.
2. By not borrowing more than 80% of your credit limit, you maintain a good credit utilization ratio, which is an important factor in determining your credit score.
3. Keeping your credit utilization low shows lenders that you are responsible with your credit and can help you qualify for better interest rates and loan terms in the future.
It's important to be cautious with borrowing close to your credit limit to avoid potential financial pitfalls in the long run.
