What is the proper procedure to do this in IBM Cloud?

Before a developer can work with any of the IBM Cloud services, they need to obtain service credentials. What is the proper procedure to do this in IBM Cloud?
A. Log-in to IBM Cloud, navigate to your account profile, then copy the account credentials into the application for service access.
B. Log-in to IBM Cloud, navigate to your account, and view your user credentials.
C. The IBM Cloud credentials are the same as your service credentials.
D. Create a service instance within IBM Cloud, create the service credentials, use the service credentials in the application.

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