10. Which of the following statements is TRUE? a. Assume that Josie has had this credit card for a year. The A.P.R. on her card will remain the same as long as she has the card. b. If Josie misses a payment during the Introductory Period, her late payment fee will be waived for this period since she is a new customer. c. Assume that Josie only uses her credit card to make purchases. She pays the balance on her credit card in full and on time every month. As a result, she pays no interest to the credit card company. d. Josie pays an annual fee to use this credit card