9) Linda opened her first credit card when she was a 19-year-old student at Concordia. Her mom had encouraged her to build credit history to establish a strong credit score. Linda wanted to use her credit cards occasionally, but it became too easy to use for everyday purchases with justification that travel points were being accumulated. At 24 years old, Linda owes on her multiple credit cards. Which statement made by Linda is correct? a) "I carry a balance on my credit cards. The bank loves me as a customer as I pay monthly interest, resulting in a better credit score". b) "My credit card companies, and my bank use my payment history and the amount of credit that I owe to determine my credit score". c) "Checking my credit report is considered a soft inquiry which hurts my credit score, so it is best not to check. d) "When I apply for a credit card or new loan, the creditor accesses my credit file to assess my creditworthiness, this hard inquiry impacts my credit score". e) I can exceed my credit card limit as my credit card company lets me do it with no impact