Which is an example of using credit?

A. A consumer buys an item and pays by check.

B. A consumer buys an item and promises to pay later.

C. A consumer buys a share in a company.

D. A consumer buys an item and argues over the price.

B. A consumer buys an item and promises to pay later is the answer.

(If they buy and pay by check, then they don't owe any money, but if they promise to pay later then they do owe ... thus creating the credit. Buying a share in a company is also paid for at the time. Arguing over the price definitely isn't credit.)