easy · Asset-Backed Securities waterfalls

A 'Rapid Amortization' or 'Early Amortization' event in a Credit Card Master Trust is most commonly triggered by:

  1. A clean-up call being exercised by the servicer.
  2. The three-month average excess spread falling below zero.
  3. The originator's corporate credit rating being upgraded to investment grade.
  4. The Monthly Payment Rate (MPR) increasing beyond 30%.

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