If you insist on having credit card debt and a savings account, you should have

a. the credit card paid off each month
b. the credit card interest rate higher than the savings interest rate
c. the credit card interest rate the same as the savings interest rate
d. the credit card interest rate lower than the savings interest rate

a. the credit card paid off each month

Step-by-step explanation:

In the present scenario, credit card interest rates are always higher than savings interest rates. If a person cannot pay off the card bill each month, then he is utilizing his money in a wrong manner and he is surely outliving his income. When credit card bills are not paid timely, it yields higher interests with passing time and also lowers your credit card ratings/scores.