In the 3 C's of credit, which corresponds to the question: "Do you have a savings account?"

The correct answer is capital. In the context of the 3 C's of credit, capital refers to the financial assets or resources that a borrower possesses, which demonstrate their ability to repay a loan. When considering whether someone has a savings account, it indicates the capital assets they have available. Savings accounts represent money that can be drawn upon in times of need, making it a significant factor in assessing an individual's financial health and stability.

The other aspects of the 3 C's—character and capacity—focus on different elements of creditworthiness. Character involves the borrower's reliability and integrity, typically evaluated through credit history and personal references, while capacity assesses the borrower's ability to repay a loan based on their income and existing debts. However, a savings account directly relates to capital, showing tangible proof of financial responsibility and potential for repayment.