The Ruiz Corporation, Which Owns a Chain of Specialty Shops

The Ruiz Corporation, which owns a chain of specialty shops, has recently begun to accept credit cards. On March 1, 2014, Ruiz made a credit card sale of $5,200 to a customer. The credit card company charges a fee of 3%.
Which of the following is not an advantage of accepting credit cards from retail customers?

A) The acceptance of credit cards tends to increase sales.
B) There are fees charged for the privilege of accepting credit cards.
C) The credit card company performs credit worthiness assessments.
D) The credit card company assumes the cost of slow collections and write-offs.