Credit card a: 0% introductory apr for six months, 18% apr after the introductory period, annual membership fees: $35, late fees: $29. credit card b: 11% apr, annual membership fees: $0, late fees: $35. what would be a valid reason for brandy to choose one card over the other? a. brandy chooses credit card b because if she is late with a payment, she will not have to pay a late fee. b. brandy chooses credit card a because after the introductory period, she will not have to pay the annual membership fees. c. brandy chooses credit card a because if she is late with a payment, she will not have to pay a late fee during the introductory period. d. brandy chooses credit card b because she will not have to pay an annual membership fee.