Several Companies,some of Them Operating Through the Internet,offer "Paycheck Advances

Multiple Choice

Several companies,some of them operating through the Internet,offer "paycheck advances." Consumers are encouraged to take out a loan against a paycheck they expect to receive in the near future.These short- term loans with high- interest rates,and high penalties for late payments,are often marketed to consumers who do not have traditional bank accounts.These companies could most easily be criticized for which of the following?

A) shoddy products
B) high- pressure selling
C) poor service to disadvantaged consumers
D) excessive markups
E) high advertising and promotion costs