Which of the Following Statements Is True of Credit Cards

Which of the following statements is true of credit cards?

A) They can improve your credit score by allowing you to establish a history of prompt payments.
B) They are solely issued to people who have a specific amount of savings in their retirement account.
C) Warranty is not offered on products purchased using a credit card.
D) Credit card companies do not charge an annual fee from cardholders if the card remains unused for at least 120 days.