One disadvantage of credit is a) the use of goods while paying for them.
b) the forced savings features of credit.
c) Impulse buying by credit users,
d) building a credit reputation.

C

Explanation:

The other answers are either positive or neutral. C is a disadvantage because credit card users assume credit = debit, and end up paying a lot of interest if they don't have enough cash in their checking accounts to pay their monthly statements. With credit cards, users think they can buy a lot without having money on hand at first, leading to impulse buy.

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