The 198% APR is based on purchase of $35 USD
that is the smallest purchase amount allowed for zip USA
$35 = ($4 fee) = 198% APR
$100 = ($5 fee) = 86% APR
$200 = ($6 fee) = 53% APR
$400 = ($6 fee) = 26% APR
$500 = ($6 fee) = 20% APR
assuming same payments made the CC is better as those fees are instant for zip, at least CC will have interest free period.
lets go, mexico,,,,
Ann: Balance Sheet Strengthening to Support Profitable Growth, page-268
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