Best Answer: To manipulate means to change. When you do a scientific experiment, the manipulative variable is the thing you change in order to see what happens. The responding variable is what you measure; it's the thing that changes in response to what you manipulate.
For loans and credit cards, avoid or limit interest charges. While it may sound like a bargain to pay the minimum due on your credit card so you have more money to spend on other things, the long-term costs of this strategy can be staggering.hat's because credit card interest rates can be quite high -- with the best of rates often being in the low double-digits. Instead, try to pay all or as much as possible of your outstanding credit card balance to avoid interest charges.
Using credit cards seems simple enough. Whip it out of your wallet, swipe it through the credit card reader (or insert it if you've upgraded to an EMV chip credit card), and walk away with your purchases. If only it were that simple! Knowing all there is to know about credit cards is key to staying out of credit card trouble. The Basics of Using Credit Cards. Credit card issuers make a certain amount of credit available for you to borrow from over and over. 1  All you have to do is stick to the terms of the credit card agreement. That usually means paying on time, staying within your credit limit, and not using your credit card to commit fraud or purchase illegal things.