To determine which person would most likely receive the highest APR (Annual Percentage Rate) on a credit card offer, we need to consider the credit scores provided. Generally, a lower credit score is associated with a higher APR because it indicates a higher risk to lenders.
Here are the credit scores for each borrower:
- Michael: 700
- Cynthia: 550
- Tommy: 600
- Louise: 780
Let's examine each of these credit scores in terms of risk:
1. Michael has a credit score of 700. This score is considered good, and individuals with good credit scores tend to receive lower APRs.
2. Cynthia has a credit score of 550. This score is considered poor, indicating a higher risk to lenders. Therefore, Cynthia would likely receive a higher APR.
3. Tommy has a credit score of 600. This score is fair and indicates a moderate risk to lenders. However, it is not as low as Cynthia's score.
4. Louise has a credit score of 780. This score is excellent, meaning Louise is viewed as a low-risk borrower and would receive the lowest APR among these individuals.
After evaluating each borrower's credit score, it's clear that Cynthia has the lowest credit score of 550. Since lower credit scores correspond with higher risks and thus higher APRs, Cynthia is the person who would most likely receive the highest APR on a credit card offer.
Therefore, the answer is:
Cynthia, with a credit score of 550.
