Jerome Has Three Major Credit Cards and Makes Payments on Them

Jerome has three major credit cards and makes payments on them each month. He has had one of them for six years, another for three years, and the last for eleven months. Making just the minimum payment has become automatic at this point, and Jerome barely even looks at the statements. Jerome is beginning to think that his approach to credit may be faulty, and he wants fo find out how to adjust it. He just applied for two additional credit cards.
-Jerome would be considered a

A) credit user.
B) convenience user.
C) combination credit and convenience user.
D) T&E card user.
E) traditional charge account user.