Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to use credit wisely [title] Realize that one of the reasons that credit cards are abused so frequently is that many people that use them don't truly understand what a credit card is and how they work. [step] Credit cards are unsecured loans. Credit cards allow you to use the bank's money.

Ending1: However, when you borrow money back from your landlord you're charged interest, which can be a huge burden for any landlord. ( regardless, credit cards are unsecured, meaning they may collect interest from you for years before you get your money back. Ending2: Only a small percentage of this money will be used for mortgage payments. However, it is much cheaper to use unsecured, or secured, credit cards. Ending3: Many people that use credit cards think of the balance on their card as their money, when in essence, this is the amount of money that the bank is willing to lend you. Everything that you borrow must be paid back with interest. Ending4: Turning any credit card you use into a cash or debit card, or a balance that is greater than 80% should offer you some stability. Going down a line on a credit card could reduce your balances with less responsibility.

Answer format: ending1/ending2/ending3/ending4