The person who uses credit.

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Multiple Choice

The person who uses credit.

Explanation:
Using credit means someone borrows money or resources and agrees to pay back later, usually with interest. The person who uses credit is the borrower—the one who receives the funds and carries the obligation to repay under the agreed terms. The lender is the party providing the credit. The other terms don’t describe a person who uses credit: capital refers to funds or assets used to run or grow a business; a warranty is a promise about product quality; the World Wide Web is just the global information space. So the borrower best fits as the one who uses credit.

Using credit means someone borrows money or resources and agrees to pay back later, usually with interest. The person who uses credit is the borrower—the one who receives the funds and carries the obligation to repay under the agreed terms. The lender is the party providing the credit. The other terms don’t describe a person who uses credit: capital refers to funds or assets used to run or grow a business; a warranty is a promise about product quality; the World Wide Web is just the global information space. So the borrower best fits as the one who uses credit.

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