Which of the following is false about credit cards? a) Merchants who accept credit card payments must pay a credit card fee to the credit card issuer for the convenience of accepting this type of payment. b) Accepting credit cards is costly, but more secure than accepting cheques as payment. c) Interest rates on credit cards tend to be high because they are an unsecured debt. d) Immediately upon purchasing a new pair of shoes using a credit card, interest on that outstanding debt will start to accrue