Please choose the correct ending to complete the given sentence: Education and Communications: [header] How to get rid of credit cards without hurting your credit score [title] Calculate your current utilization rate. [step] Take out all credit card statements and identify the credit limits. Add them together to get your total available credit.

Ending1: Then, multiply this number to determine the source of your discrepancy. [substeps] For example, your credit card balance might equal 217. Ending2: [title] Place a check, money order or other credit card statement in the trash. [step] This will allow you to claim the money without bringing it to collect your credit score. Ending3: [substeps] Find a " credit limit " statement. Look into the item category for any balances under the credit limit. Ending4: [substeps] Then go through and add up all balances. Divide the balance amount by the available credit.

Answer format: ending1/ending2/ending3/ending4