INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement. Select A for the first item, B for the second item, and C if neither item will correctly complete the statement. Rebate cards are most useful for consumers who charge a lot and [maintain | do not maintain] large balances on their cards. Answer: INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement. Select A for the first item, B for the second item, and C if neither item will correctly complete the statement. A person who pays her credit balance off every month should look for a credit card with [a low interest rate | no annual fee]