Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to avoid finance charges on credit cards [title] Pay off your balance at the end of every billing cycle. [step] The most straight-forward way to avoid charges on the balance of your credit card is to pay it off in full at the end of each billing cycle. Paying off the whole balance by the due date on your bill will mean that you do not incur any additional finance charges on the balance.

Ending1: You will also probably pay off your balance at some point during your finance training. [substeps] Be sure to ask your manager about the different billing methods, and the acceptable methods to use during each billing cycle. Ending2: [substeps] Paying the balance of on time will also help your credit rating improve over time. [title] Determine if you have a grace period. Ending3: [substeps] Seek out different credit card companies to compare rates and exchange on credit cards. You can check out sites like supercard and equifax for card options. Ending4: [title] Use your credit card to write your checks. [step] Depending on your system, your interest and balance payments may be shifting around between billing cycles.

Answer format: ending1/ending2/ending3/ending4