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.
When Interest is Not Charged. You wonât be charged interest on your purchases if you started the billing cycle with a $0 balance. You have the grace period to pay in full and avoid paying any interest.Or, if you have a 0% promotional APR, no minimum finance charge, and the only balance on your card is that to which the promotional APR applies.f you pay the full balance before the grace period expires, you wonât pay any interest. This is the case for any month that you begin the billing cycle with a $0 balance, for new and old credit cards and whether your credit card is open or closed.