John receives two credit card offers in the mail. credit card a: 1% introductory apr, 19.9% apr for purchases after the introductory period, and 22.9% apr for cash advances. annual membership fee: $0. credit card b: 0% introductory apr, 20.9% apr for purchases after the introductory period, and 24.9% apr for cash advances. annual membership fee: $0. what would be a valid reason for john to choose one card over the other? select the best answer from the choices provided. a. john chooses credit card a because any purchases he makes after the introductory apr period will have a 1% apr because of the annual membership fee of $0. b. john chooses credit card b because he will not have to pay any interest on a cash advance if he makes his payments by the due date. c. john chooses credit card a because he will not have to pay any late fees if he makes a payment after the due date since he has $0 annual membership fee. d. john chooses credit card b because he will not have to pay any interest on his purchases during the introductory apr period.