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.
BREAKING DOWN 'Credit Card Balance'. Typically, the ideal situation is to have a zero credit card balance, to avoid the high interest rates that come with a positive credit card balance. If there is a positive credit card balance, making more than the minimum monthly payment will help pay it down faster resulting in less interest owed. RELATED TERMS.