Which of the following provisions regarding the Fair Credit Billing Act is accurate? Question 10 options: During the time the creditor is replying, the customer is required to pay back the questioned item. The act allows a customer 90 days to notify the creditor of the nature of the error and the amount. In case of an error, the creditor has 120 days to respond and 150 days to correct the customer's account. The act applies only to open-end credit and not to installment sales. The Congress enacted this act as an amendment to the Fair Credit Reporting Act