Card companies typically write off loans after they are 180 days past due, the point at which it is assumed the balances won't be able to be collected.

在逾期180天之后卡公司为代表的冲减其贷款，这点前提假定是账户不会被收回。

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Because this fee will never be paid by the middle or upper classes with sufficient average balances, every dollar collected because of it will come directly out of the disposable income of the poorest Americans.

FORBES: Debit Fees: Bank Of America Made The Right Decision