All of the above are true options.
Step-by-step explanation:
Check credit facilities are a rather peculiar construction of the model of credit that is US which is considerably more advanced and more complicated than most places.
The checking derives with credit are used so as to build up credit score and also to be able to pay the bills with less charging fees.
If the firm is taking a sort of hefty charging fee then it is needless because it just defeats the purpose of its own existence.
Thus, all the statements are true.