Here's news for you Pig. APT has no desire to be "like a CC"....

Here's news for you Pig. APT has no desire to be "like a CC". What, you reckon they are not successful enough with their model and that you could advise them about alternatives that the management has never ever considered? lol, lol, lol.

You are becoming seriously delusional. You? Smarter than Nick Molnar and Antony Eisen? Now there's much humour in that thought!!!! More ethical as well? More humour. To say nothing about the fact you have proved yourself to be totally unable to understand the late fees of APT and the maximum charge possible. Many of us read your struggle to understand the terms of APT's model despite their clarity of expression, despite the step by step assistance given to you right here, you still exhibited your cloudly brain's incomprehension.

Maybe that "humble pie" you have been gorging on for weeks now is really affecting you very seriously.
Just keep watching the APT share price, pig, which eating your pie, lol.