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PS Chase is cooking there books for the stockholders
The reason, the only reason that makes any sense at all, is there cooking the books for there stockholders. For example, you owe 10k to chase. they report in there quarterly report 10k loaned to you. After a few weeks, you get a huge charge, and they change your % to 29.99 because your credit file (bs) So, you close the account and payoff the entire balance. Now, though creative accounting, they can trick the investors, and report that you owe them 10k, but also report the 10k you just paid off, in there coffers. In effect, doubling there money on the books. See?
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