Which of the following statements about credit decisions is NOT correct?

Group of answer choices

a.Retail customers are more likely to be rationed through loan quantity restrictions than through interest rates .

b.Retail loans tend to be smaller than wholesale loans.

c.Beyond some critical interest rate, wholesale loans may be rationed through loan quantity restrictions.

d.Financial institutions use both interest rates and credit quantity to control redit risk for wholesale (large business) loans.

e. Household borrowers involve lower costs of information collection for lenders.