From the statements below, identify the way or ways in which making only minimum monthly payments on

... a long-term credit purchase can be a disadvantage.

I. It is illegal to make only the minimum payments for more than one year.

II. Repeatedly making minimum payments harms your credit score.

III. The total cost is higher if the length of the debt is longer.

a.

I and II

b.

II only

c.

I and III

d.

II and III