Multiple Choice $\mathrm{.}5$ points

Why does the ambunl you owe on credit cards have such a major impact on your credit score, relative to the limits$?$ I pay on time every month so why do the credit scoring companies care? Which of the following can help keep your score up$?$

You pay on time every month and it should not matter as long as they get their money

$4$ am leus of a risk if I use my cards and keep a high balance relative to the limits because that establishes a payment history

I use my card for gas and beer but only spend $$\frac{100}{?}$ mo and my limit is $$1,000,$ so they score me differently. Liquidity$-$

It should not matter if I max it$,$ as long as I pay every month