> We do our best to ensure loans do not cause over-indebtedness by starting with very small amounts initially, and increasing credit limits only if high on-time

> We do our best to ensure loans do not cause over-indebtedness by starting with very small amounts initially, and increasing credit limits only if high on-time repayment rates are maintained over time. Brilliantly, breathtakingly cynical! Charge a bunch of flat up-front fees, then cap loan amounts based on some opaque criteria.