i agree cc charges are outlandish but i am in the fortunate position of paying full amt when due , not paying interest and earning points ( not that this is actually a material benefit )
However if you consider the average transaction value on z1p , those that do not pay within time face an annulised interest rate maybe 2-4 times greater than cc's.
That is the real robbery often on those least able to afford.
I invite you to tell me why I am wrong on this.
SP to fall below 1.90 CR offer, page-66
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