Julie has a credit score of 765. which action might have creditors concerned about her financial situation?

question 5 options:

1)
reaching her credit limit

2)
applying for another credit card

3)
keeping a low debt to credit ratio

4)
paying her bills on time

If someone has a credit score of 765, that means that this person has an excellent credit score. So that means low debt and paying bills on time.
 
Applying for another credit card isn't a big issue unless someone has low credit score. But for someone with a good credit score, reaching their credit limit is usually a red flag.
 
So it would be the fourth one.

Hopefully this helps! :)