Which of the following demonstrates an abative effect on behavior?
a. Theodore paid his loan on time for 10 years and received a reduced interest rate on the rest of the loan. In the future, Theodore pays his loan on time
b. Theodore sees a credit card with a valuable points program and immediately fills out an application
c. Theodore likes the points system on his credit card and does not apply for more credit cards
d. Theodore paid his credit card late and received a late fee. In the future, Theodore does not pay his credit card late