TRUE or FALSE: Many credit card issuers have cards that do not charge annual fees, and it can be ideal to obtain credit cards with no annual fees. O False O True Question 11 2.86 pts The five categories that make up your credit score include all of the following except: Number of Bank Accounts New Credit Length of Credit History O Payment History Question 12 2.86 pts Credit cards are a form of credit. revolving O Long-term O installment o Question 13 2.86 pts Unsecured loans are generally (more/less) risky to lenders than secured loans. Therefore, (secured/unsecured) loans typically charge a higher APR than (secured/unsecured) loans. O less; secured; unsecured O more; unsecured; secured o less; unsecured; secured O more; secured: unsecured Question 14 2.86 pts What is the grace period (the time you do not have to make payments yet when you graduate or drop below half-time status) on Federal student loans (unsubsidized and subsidized)? O 9 months O 12 months O 3 months O 6 months