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Office of the Comptroller of the Currency (OCC): This is a government agency with the responsibility of controlling all the national banks that issue credit cards. It is a division of the Treasury Department of the United States. Secured Credit 
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A debt which is divided up and charged to a consumer or business at specified intervals. This is a way of structuring a loan, or restructuring an existing debt to make it easier to pay. DEPRECIATION 
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When you request an investigation in to your credit report, entries are often changed as a result. If you have recently applied for credit, a notice of results allows the credit reporting agency to send a notice of the erroneous entry and it’s correct status to that creditor. Unused Credit: The portion of credit that is not used, or is still available to the customer. 
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Subaccount Charge - The fee to manage a subaccount, which is an investment option in variable products that is separate from the general account. Withdrawn 
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An agreement which is reached between a consumer and a lender – which gives the lender the right to take a portion of the consumers wages (each pay check) to cover the loan which went in to default. Consolidation: Consolidation is the act of combining multiple loans with high interest rate into one single loan with a lower interest rate. This is basically done with a view to reducing interest rate or the loan payment. Many borrowers also do this to alter the term of the loan and to change a variable-rate loan to a fixed rate one. The loan that is taken for the purpose of consolidating all debts, i.e. combining multiple loans into one single loan is called 'consolidation loan'. Know more on debt consolidation.