What is the cost-benefit relationship in deciding whether to offer credit to customers, and whether to accept bank credit cards? A. For a company to manage credit internally, costs include the cost of creating and operating a credit department, training sales staff to sell on credit, and losses due to nonpayment. B. If the gross margin increase resulting from additional sales exceeds the costs of offering credit, the company will increase its net income by offering credit. C. For a company to accept bank credit cards, costs include training, plus a fee paid per transaction, occasional losses due to clerical error, and possibly some special equipment. D. All of the above