Restaurants,clothing Retailers,barbers,and Beauticians Face Relatively Low Risks of Loss from Nonpayment

Restaurants,clothing retailers,barbers,and beauticians face relatively low risks of loss from nonpayment because:

A) most customers prefer making upfront payments for such products and services.
B) few people have credit cards which limits their ability to buy products.
C) they only offer credit to loyal customers who they are sure will repay the amount.
D) most of them provide credit only by accepting credit cards,which reduces the risk of nonpayment.