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The Bureau believes that a statement that the lender may contact the consumer about payment choices would prepare the consumer for future contact from the lender.
In short, with revolving credit, you’re given a set amount of money you can borrow (“credit limit”) and as you pay back that money, your credit limit “revolves” back up to what it was originally set at.
Consumers complained to the companies, the Better Business Bureau, law enforcement agencies, banks and payday lenders, the FTC said.
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First, if short-term interest rates are low relative to long-term rates, banks and other financial institutions may over-invest in long-term assets, such as Treasury securities.
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I would not bother with the details of the settlement offer, just that you would be dealing with the correct party.
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