Select the most likely outcome of making only on-time minimum payments to a credit card with a balance for an entire year? a. making 12 on-time minimum payments means that your credit card is completely paid off. b. your payments will have gone mostly towards paying interest and you will still owe the majority of the balance that you had from a year ago. c. the credit card will reward you with a lower interest rate once you've made 12 consecutive on-time payments. d. your credit score will suffer because making minimum payments doesn't count as an on-time payment for the 'payment history' portion of the credit score.