The other grey area isn’t so much the reduction/rebate in payback that’s negotiated, but the fact the merchant isn’t made aware of it. I get it, without the consolidation the merchant is paying back 100% owed, but something just seems odd that the merchant isn’t made aware of the reduction — especially since I don’t even think merchants would give a crap as long as they get the consolidation.

Maybe they feel that after they negotiate the reduction the merchant will subvert them or something? I just don’t get it.

I legit ask these questions in earnest.