My suggestions is that we could like take money from a bank for like our house cars or any other raisons. And when we get our bills we have like 200$ more because we have to repay the bank monthly for the amount of money we have taken the limit off money that we can take would be on 2000$ to 12000$ maximum and we could choose if WE want to pay 100$ more on bills or 200$ more maximum would be 300$ more on the bills