Which action does NOT lead to the ratification of a minor's contract?

Ratification of a minor's contract occurs when a minor, upon reaching the age of majority, affirms the contract. For ratification to happen, the minor typically needs to engage in actions that show an intent to be bound by the contract.

When evaluating the options, silence or inaction after reaching the age of majority does not constitute active ratification. Simply remaining silent or doing nothing might imply a decision not to void the contract, but it lacks the affirmative action needed to see it as ratification. In many jurisdictions, the law does require some form of overt conduct that indicates the minor's intention to continue with the contract upon reaching adulthood.

On the other hand, making explicit oral statements of intent, utilizing the consideration received, or making payments on the consideration are all actions that demonstrate a clear commitment to affirm the contractual obligations. These actions indicate the minor's agreement with the terms, moving from the vagueness of inaction to a definitive stance. Thus, ratification is solidified through these active steps, while silence or inaction does not create any binding agreement or commitment to the contract.