Nina Tells Her Father That Paying for a Purchase with Her

Nina tells her father that paying for a purchase with her debit card is the same as paying with her credit card. Her father replies that:

A) she is correct that there is no difference.
B) she is correct except that debit card payments are processed more slowly.
C) she is incorrect because a debit card payment transfers funds from her bank account to the seller's bank account but when she pays with a credit card, the card company pays the seller and gives her a temporary loan.
D) she is incorrect because a debit card payment is a cash advance payment and a credit card payment has bank fees attached to it.