Roxanne has always maintained an excellent credit rating over the years- She has an annual income of $23,000, has lived at her current residence three years, and has worked at the same job for eight years- Susan works in a clerical position, has two credit cards and maintains two bank accounts- Which one of the following items of evaluation would Roxanne score the highest on?

Wise ways to use a Credit card are:
Pay off your balance every month. 
Use the card for needs, not wants.
Never skip a payment. 
Use the credit card as a budgeting tool. 
Use a rewards card.
Stay under 30% of your total credit limit.