Brandy receives two credit card offers in the mail.

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?

Select the best answer from the choices provided.

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.