The Credit Card Accountability Responsibility and Disclosure Act (Credit CARD Act) includes which of ...

The Credit Card Accountability Responsibility and Disclosure Act (Credit CARD Act) includes which of the following restrictions for credit card companies:
 a. issuers may not raise interest rates on an existing balance and promotional (low) rates must last at least six months
  b. when companies raise rates, they must give card holders 45 days' notice
  c. restrictions are placed on late fees and when they are imposed; no more than one fee may be charged in a billing cycle if a debtor goes over the card limit; and there may not be charges for Internet or telephone access when making payments
  d. cards may not be issued to consumers under age 21 unless they have independent means of income or get someone over 21 to co-sign on the account
  e. all of the other choices are correct