Which Ghost Affected Scrooge the Most?

In the novel, A Christmas Carol, there were a total of three ghost from the Christmas past that had visited Scrooge after the ghost of Marley has warned him. To me, the third and the final ghost has the most impact on Scrooge. Since when the third ghost showed Scrooge what would happen to him if he continues to act the way he was. When the ghost took Scrooge, it first took Scrooge to a London Stock Exchange, where a group of men were talking about the death of a rich man. Scrooge was then very desperate to know the identity of the dead man. The ghost then took him to a grave yard, in front of a grave stone. On the stone, it says EBENEZER SCROOGE. Scrooge was horrified by what he had saw with his own eyes. He then begs the ghost to redo what he had done, and promised that he would act the way he should be. To honor Christmas the way he should. Everyone would be afraid when they see their own death, and if they were given a second chance, of course they would take it. It's a second chance for your life! This was why I believed that the third ghost has affected Scrooge the most.