When a borrower receives something of value now and agrees to repay the lender at some date in the future, the borrower is

A

using credit.

saving money

gaining new income

making an investment.

Using credit

Explanation:

Using Credit simply means receiving something of value now and promising to pay for it later. This credit is often with a finance charge added by the lender.

Most global consumers of First world nations use credit through their credit cards to buy almost everything including food, clothing, housing, transportation etc.