A company is experiencing a decrease in their bad debt expense. What change in credit policy would cause this decrease?

a. The credit period was reduced, and all customers were required to pay their bills within 30 days of receipt of their bill instead of the previous 60 days.

b. The company discontinued credit checks on new customers.

c. Credit limits were increased for all customers.

d. Credit terms 2/10, n/30 were granted on all credit sales.