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They may have credit cards but likely do not have unused credit, are often delinquent on one or more cards, and have often experienced multiple overdrafts and/or NSFs on their checking accounts.
For a loan that has a single payment, that single payment is the largest payment for the purposes of § 1041.
A high risk borrower is so named when he or she was persistently late in debt payments, has high unpaid arrears, exceeded credit limits on their credit cards, experienced bankruptcy or foreclosure and so on.