Imagine walking into a branch of RBS or Citi seeking a loan, pointing out that you have shifted a mountain of your existing credit card debt to the bad part of your balance sheet and asking the manager to focus on the good bit. 试想:你走进RBS或花旗的一家分行寻求贷款,言明你已经将堆成山的现有信用卡债务转移到了资产负债表的不良部分,要求信贷经理只关注好的部分。