Which statement best describes the potential effects of allowing personal debt to grow too large?

Which statement best describes the potential effects of allowing personal debt to grow too large?
It can make it harder to afford other needs and lower credit scores over time
It can automatically increase monthly income without changing spending habits
It can cause lenders to forgive old loans without requiring further repayment
It can reduce the interest rates charged on future loans and credit cards
Which behavior would show responsible use of a credit limit to lenders?
Spending the full credit limit each month without reviewing interest charges
Using less than 30% of the available credit limit on the account each month
Frequently requesting large increases to the credit card spending limit
Carrying balances above the credit limit to show a strong spending pattern