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.
Not everyone who asks is going to get a lower interest rate. But long-time customers may have a better chance than newer customers. The consumers in the PIRG survey who saw their rates reduced had been with their card companies an average of four years. They were also using only 27 percent of their credit lines.ake the call. A five-minute phone call to your credit card issuer could save you hundreds, even thousands, of dollars in interest charges. There's no incentive for them to lower your rate unless you call.