Trina applied for a new credit card with an introductory APR offer of 7.99% or 8.99%. What will most likely happen in the second year?
A. The APR will increase quite substantially.
B. The APR will decrease a little if she pays off her balances.
C. She will be able to choose the lowest APR.
D. She will receive a new APR based on her credit.
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