(49)Credit agreements and ancillary services should be presented in a clear and transparent manner. It should not be possible to infer the consumer’s agreement to conclude a credit agreement or to purchase ancillary services. Any such agreement by the consumer should be a clear affirmative act establishing a freely given, specific, informed and unambiguous indication of the consumer’s approval. In this context, silence, inactivity or default option such as pre-ticked boxes should not be considered to constitute agreement by the consumer.