<span>Pay your bills on time.
Keep your credit card balances low.
Manage your debt.
Don't close old credit cards.
Limit your applications for new credit.
<span>Watch your credit report.</span></span>
Point of view shapes the perspective from which the reader views the story and the voice sets a tone, it adds personality to the work.
To be successful means to be happy with what you are doing, and to be a nice person to others.
The person who is saying the story is Cameron since he is talking directly to James
Answer=Cameron
