---What were you doing when I phoned you?

---I had just finished my homework and ______ to take a bath.

A．started

B．has started

C．was starting

D．had started

对持卡人透支款项和诈骗款项，发卡银行应当及时采取适当的方式予以追偿，下列各项中，可以采取的方式有()。

A．扣减持卡人保证金

B．依法处置抵押物和质物

C．向保证人追索透支款项

D．通过司法机关的诉讼程序进行追索