APT Margin Transaction Losses, page-27

"If you need to pay in 4 installments then you dont have much money to begin with and your not a good credit risk"

Says who? You are just looking at the negative and being very judgemental.

They have to have the money, that's why they do it!
Have you heard of budgeting?

Why take on a credit card and risk temptation of using the limit and being charged 20% interest?

Have you heard what our nation's credit card debt is?
And thats from the older, supposedly wiser generation.

Apt is a great budgeting tool.