How many new accounts you have plays a role in your credit rating. In fact, too many new accounts usually hurt your credit rating. Choose the example which shows too many new accounts.
A) "I recently opened a new credit card and a personal loan to finance a vacation."
B) "I haven't applied for any new credit in the past year."
C) "I paid off my existing loans before applying for a new credit card."
D) "I only have one credit card, and I use it sparingly."