Most banks that issue credit cards charge interest rates on credit card debt that are ten percentage points higher than the rates those banks charge for ordinary consumer loans. These banks' representatives claim the difference is fully justified, since it simply covers the difference between the costs to these banks associated with credit card debt and those associated with consumer loans. Which of the following, if true, most seriously calls into question the reasoning offered by the banks' representatives? ['People who pay their credit card bills in full each month usually pay no interest on the amounts they charge.', 'Two to three percent of the selling price of every item bought with a given credit card goes to the bank that issued that credit card.', 'Most car rental companies require that their customers provide signed credit card charge slips or security deposits.', 'Some lenders that are not banks offer consumer loans at interest rates that are even higher than most banks charge on credit card debt.']