Sheila loses her credit card and calls her credit card company to report the card stolen. Sheila's sister, Carmen, also loses her debit card and calls her bank to report it stolen. Which of the following is true?
a) Carmen is not liable for charges made to her card if she reports it stolen within two business days.
b) Sheila is liable for unauthorized charges made on her card after she reports it stolen.
c) Carmen has unlimited liability for unauthorized charges made to her card if she reports it after a day.
d) Sheila is not liable for unauthorized charges made on her card after she reports it stolen.