Which of the Following Is NOT Correct

Which of the following is NOT correct?

A) Using credit is appropriate to pay for medical emergencies.
B) Using credit can increase the amount of money that will be available to spend in the future.
C) Using credit sometimes occurs automatically, such as for water or electricity usage.
D) Using credit cards usually makes returning merchandise without a receipt easier.
E) Using credit allows consumers to enjoy goods and services now and pay later.