Maura had to get a $350 emergency loan at a very high interest rate to pay for dental work. The lender did not need her credit history. If she does not pay back the loan within three weeks, she will have to pay an extra $50. Raina says the loan is an example of easy-access credit while Maura says it is an example of open-end credit. Which statement about the loan is correct? Decide how each action would affect your credit score.

You make more than minimum payments before the due dates.
You missed a credit card payment in November and paid a late fee.
You opened three new credit card accounts in a month.
Your employer gave you a raise, so your income increased.
The balance on your credit card is close to the credit limit.