The following activities can affect your overall credit rating, by raising it or lowering it. Indicate how each activity impacts your credit rating.

a. You pay off your credit card in full each month.
b. You have more than 10 credit checks in a given year.
c. You only make the minimum payment on your credit card each month.
d. You make payments on your credit card on time, each month.
e. You have unused available credit on a credit card.
f. Your credit card is close to its maximum available credit each month.
g. You are often late making your monthly payment on your credit card.

How many of the above activities will reduce ( or lower) your credit rating?