Wrong question on Financials exam

Last monday I past the Financials exam.µ
I encountered a question that talks about a Finance Credit Memo.
The question was what do you have to do before you can create a Finance Credit Memo.
a) Issue reminders
b) Create reminder terms
c) Create Finance Charge terms
d) You don't have to do anything.

But actually it isn't a Finance Credit Memo, but i Finance Charge memo.
Just in case you have the same problem...

greeting