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?

ACarmen is not liable for charges made to her card if she reports it stolen within two business days.

BSheila is liable for unauthorized charges made on her card after she reports it stolen.

CCarmen has unlimited liability for unauthorized charges made to her card if she reports it after a day.

DSheila is not liable for unauthorized charges made on her card after she reports it stolen.