Which situation would result in a credit card issuer charging a late-payment fee? A cardholder pays $75 for the privilege of using the card for one year.

A cardholder pays off one credit card with a new credit card.

A cardholder fails to make a minimum payment one month.

A cardholder takes out $400 from an ATM.

A I know this because I did the test on this

It depends on the subject for me. some exams are easier than others so i usually go through it and answer questions i know based on my general knowledge, then double check after. going through the lesson can a lot  because the exams can be  very lesson-specific, but sometimes they are ridiculously long so a lot of people don't take the time. i did find that, when i went through the lessons, i was making 100's on my exams vs strictly using + the internet and  i make 90's. 

The answer is to reassure the reader about dangers of mad cow disease.