### Comment:
Wouldn’t low interest rates translate to higher consumer credit?  
  
 Also in terms of consumer credit as long as consumers are making their payments on time, and are borrowing insane amounts it should still stay relatively unchanged. 
  
 Or is my thinking flawed

### REPLY:
Doesn't necessarily mean lower rates they havent changed much over the past year. Eventually people wont be able to make their payments then your bubble pops

### END.