Which statements are not true? a. transaction fees might include a fee when you use the card to obtain a cash advance, when you fail to make a payment on time, or when you go over your credit limit. b. a "variable rate" plan means that the rate you pay will be based upon a political indicator they will explain in the agreement. c. a credit card is an arrangement for you to "go into credit" in order to get the item that you want. d. under the fair credit and charge card disclosure act, you have the right to comparison shop different cards' conditions.