Banks varied in their philosophy of interest rates, minimum monthly 
payments, and so on. None of that mattered to Bud. What mattered was what they 
would do to him if he got into arrears, and so after he had allowed a decent 
interval to pass pretending to listen very carefully to all this crap about 
interest rates, he inquired,
in an offhanded way, like it was an afterthought, about their collection 
policy. The banker glanced out the window like he hadn't noticed.