Janet Kennedy Has Received a Letter in the Mail from BISA

Multiple Choice

Janet Kennedy has received a letter in the mail from BISA International,a credit card firm.The letter describes the card as follows:??"This card is yours for only a small annual fee that is billed to your account.There is an annual percentage rate finance charge of 16.5%.There may be other charges for some transactions.There are no late fees,but there will be a charge for going over your credit limit."??Which of the following statements is true?

A) The letter includes all the necessary disclosures for credit card solicitation under Regulation Z.
B) The finance charge is usurious.
C) The letter is missing several items of disclosure required under Regulation Z for credit card solicitation.
D) none of the above