Which of the Following Is Not True About Credit Card

Which of the following is not true about credit card costs?

A) You can avoid annual fees by shopping around but the tradeoff for no annual fee might be a higher interest rate.
B) Over-limit fees are charged whenever you exceed your credit line.
C) 6% of late-payment fees are incurred by college students.
D) Cash advance fees are often about 1% of the amount borrowed.