Is Outstanding U.S. Consumer Credit Card Debt Sustainable on bloomberg video?

1. Do you think a large bank mentioned in the video, such as Capital One, would use the allowance method or the direct write-off method to account for its uncollectible accounts?

2. What does the video mention that banks that offer credit cards are trying to do to help consumers consolidate their credit card debt? Is this good for consumers? Is this good for the credit card banks?

3. What is a factor that affects consumers ability to pay their debts that is mentioned in the video?