Which of the following practices by a credit card company results in lower interest charges to the cardholder?
A. The card company states interest as a monthly percentage rather than an annual percentage.
B. The card company allows a grace period before interest is accrued.
C. The card company allows cardholders to skip payments on their cards.
D. The card company calculates finance charges from the date of purchase to the date the amount is paid.
Answer: B