Very true! Not sure why they offered it to my brother; he's only not been actively using the card for a little over a month due to a $600 car repair. I know he has the money to PIF, but I guess he feels more comfortable paying it off slowly. He's part of that Vemma program so a lot of his money goes to that -___- tried to get him out of it because he's not succeeding with it, but he's way too stubborn. I just warned him not to ever go into debt because of it, and he seems adamant about never doing that.