What down sides can consumer credit have?

Pros : It would allow people to buy now what they might not have money for immediately. If the borrowing is used to invest in generating income or building marketable skills (education) it could more than pay back what is owed.

Cons: The money must be paid back with interest. Borrowing may encourage people to buy more than they really can afford.

b. major john c. frémont led a rebellion called the bear flag revolt.

explanation:

during the bear flag revolt, from june to july 1846, a small group of american settlers in california rebelled against the mexican government and proclaimed california an independent republic. the republic was short-lived because soon after the bear flag was raised, the u.s. military began occupying california, which went on to join the union in 1850. the bear flag became the official state flag in 1911.