Sent_en: 2ja This makes it difficult — and risky — to underwrite, and price, the loan based solely on the borrower's credit-worthiness at the time of application [for the card]."
Sent_yy: 「「カードの」申し込みの時に借り手の信用力だけに基づいてローンを組むのはむずかしく、危険でもあります。」