'- Payments on some loans may not cover interest due so the loan balance could increase rather than decrease.
- Under certain conditions, a creditor may terminate the plan and require payment of the outstanding balance in full in a single payment and impose fees upon termination; prohibit additional extensions of credit or reduce the credit limit; and, as specified in the initial agreement, implement certain changes in the plan.
- For variable-rate products, the APR, annual percentage rate, does not include costs other than interest.