APT - chart only, page-112

% increases are not the only story. I mean $1 to $10 is irrelevant. Whereas credit cards.. Well, enough said about them. Why do u think credit card interest rates are in the 20% bracket for most of them. To pay for the fraud and non payers. Apt model has 25% of its revenue from late fees. 75% comes from the vendor. If the customer doesnt pay then no more credit. Good control