Question 2 (0.5 points) If you plan to live in a home for only a few years, it is probably wise to pay points to lower your mortgage rate. True False Question 3 (0.5 points) A debit card extends credit and delays your payment, and a credit card subtracts money immediately from your savings or checking account to pay for purchases. True False Question 4 (0.5 points) Credit card companies may charge which of the following? (select all that apply) late fee cash advance fee annual fee over-the-limit fee