. A consumer becomes delinquent on July 16, 2002, brings the account current in September 2002, but then stops making payment after the December payment. The credit card lender charges off the account in March 2003. Within 90 days, the credit card lender must report to the credit bureau which month and year as the commencement of the delinquency:
A. July 2002
B. January 2003
C. September 2002
D. March 2003