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.
By Steve Bucci â¢ Bankrate.com. Dear Debt Adviser, I have a credit card with a very high interest rate -- 29.9 percent. I've recently asked the bank that issued the card to lower my interest rate because I'm struggling to make the payments every month. The bank said there was nothing it could do and that I have the lowest interest rate available.