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.
These days, most credit cards compound interest on a daily basis, not monthly. For example, letâs say you have a revolving balance of $10,000 on your credit card, and your daily interest rate is 0.041% (which is approximately equivalent to an APR of 15%).f you do not pay your credit bills on time, your credit card company can (and usually will) increase your interest rate. The amount that it gets increased depends on the individual situation, but it can be quite a lot.