Hil has a credit card from quality credit, inc. quality wants to change to the terms. the firm must give phil at least thirty days' notice. must give phil at least forty-five days' notice. need not give phil any notice. is not allowed to change the terms.

must give phil at least forty-five days' notice.

Explanation:

The 2009 Credit Card Accountability Responsibility and Disclosure Act (CARD Act) which expanded the Truth in Lending Act (TILA), requires that credit card companies give its costumers at least a 45 day notice before charging a higher interest rate. They are also required to give their customers a 21 day grace period between receiving the monthly statement and setting a due date for the payment.

these are the four factors that influence enterpreneurship development

1. economic development

2. culture

3.technological development

4. education

answer; charters;