Your Credit Card Company Cannot Increase Your Rate for the First

Multiple Choice

Your credit card company cannot increase your rate for the first 12 months after you open an account unless

A) your card has a fixed interest rate tied to an index and the index goes down.
B) your card's introductory rate expires and your rate reverts to the "go-to" rate the company disclosed when you got the card.
C) you are more than 15 days late in paying your bill.
D) all of the above.