Payable is a liability that requires the purchaser to make a future payment on credit purchase.

应付是一项责任,它要求购买者以计帐方式购买,并在将来付款.

The credit bureau's theory is it would be unfair to penalize a person who hadn't inquired about a credit purchase and had no control of receiving the unsolicited offer.

信用局的理论是，它将会是不公平的惩罚一个人没有询问的信贷购买和无法控制的接收来路不明的优惠。