Charles has worked as an instructor at a local community college for the past 12 years. He is a very good teacher and earns a good salary. He has a modest home and a nice car. Although he always has enough money in his account, he is often late making his mortgage and car payments. He does not budget well and does not pay attention to due dates. Recently he was denied when he applied for a credit card. What aspect of Charles' credit card application was the lender considering when it declined to give Charles a credit card?

Charles has worked as an instructor at a local community college for the past 12 years. He is a very good teacher and earns a good salary. He has a modest home and a nice car. Although he always has enough money in his account, he is often late making his mortgage and car payments. He does not budget well and does not pay attention to due dates. Recently he was denied when he applied for a credit card. What aspect of Charles' credit card application was the lender considering when it declined to give Charles a credit card?



Answer: character


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