好看 格式

There is no question that in the past few years, we have had irresponsible lending, irresponsible borrowing and irresponsible spending, and now all the results of that, the spillover effects of that, are coming home to roost. Some of it isn't bad; the only problem is, there are an awful lot of people who did the right thing: paid their bills on time, made more than the minimum payments, were on-budget, had a plan, and they wake up one morning and either their account was closed, their credit limit was cut, or they find that their minimum payment was doubled... and on top of that, their interest rates were increased by 10-12 percentage points. This was not only jarring, but it took people who had solid credit histories and it put them into sort of limbo, put them into negative credit history zone for a while, which didn't help anybody.

insert txt