Word: crediteer
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Also reshuffling consumers' debt priorities is the fact that loan-modification programs are making it more likely that consumers will be able to keep their home, even after they have missed some payments. Many banks, too, have cut back on credit-card lending, lowering limits and canceling cards of borrowers who are behind on their payments. Consumers, though, have come to rely on credit cards, especially in the bad economy, to help them make everyday expenditures. So the need to protect those cards has leapfrogged ahead of the desire to stay in a house...
...credit-card regulations, widely known as the CARD Act, could tilt the priorities of borrowers even more toward credit cards. Lenders used to be able to cancel a customer's credit card if they defaulted on their mortgage. Now, under the act, lenders are not allowed to raise the rate or revoke a card unless the cardholder is late in paying that card...
...More and more customers are relying on their credit cards to pay for gas to get to work," says the ABA's Leggett. "They won't risk losing their card...
...only complaint that can be made is simply that the film is, at two and a half hours, too long. At the same time though, nearly every moment is so fascinating and suspenseful that one doesn’t think too much about the time. To the credit of Audiard, it seems as though he truly did need 150 minutes to develop his complex plot and characters. The level of detail in the film almost necessitates a second viewing—if for no other reason than to better appreciate Niels Arestrup’s performance...
...voice is allowed to emerge from the shadows. His simple and rough vocals bring the fantastical nature of many of the operatic pieces back to an earthly level. “White Chords” maintains a heavy electronic presence, though the instrumental backdrop serves to credit Barnett’s voice. His already rough sound seems even lazy, yet effective, as he murmurs and croaks into the microphone. Losing the operatic immensity but retaining many of its stylistic elements, this track achieves a hedonistic unity between the dubstep beats and classical influences—a unity that is missing...