APT will have no choice, they have to ride the wave with no...

APT will have no choice, they have to ride the wave with no control. They are not part of the credit supply. Consumers will use the options available to them and in a recession, people are not reaching for the credit card even if it's rationally the best option!

I'm here because I hold APT shares. Can't you handle objective discussion? Unlike some here, I am not bedwetting a day trader, I am a long term holder.