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.
So the last thing these people need is to try to rebuild their credit by using more plastic. Thankfully, there are several ways to improve your credit profile without using credit cards. 1. Use charge cards. A charge card is like a credit card, but cardholders are expected to pay off their balances in full each month. But like credit cards, charge cards report cardholders' payments to the three major consumer credit bureaus, which can improve cardholders' credit when they make timely payments.