Which statement is NOT true? Option A After swiping the card, network sends information to the issuer in real time. Option B Issuer bank performs authentication tasks and sends approval message to merchant’s processing device, routed through the network. Option C Credit card payment is to use bank's money to temporarily fund the purchase. Option D Credit card is an optimal payment solution for time-critical transactions because the settlement is in real time. Option E If the credit card user defaults on the credit card bill, the merchant will incur loss.