heck your credit card statement next time, online one. you might see purchases that will extend payment. they already have the algorithms in place. Go Credit owned by latitude also have same thing the retailer puts a code in the transaction at POS and it's 24 months interest free. boom! marketing can be done by the banks. overnight even. they have alliances with big networks of market companies that could sign a lot of retailers under one master agreement.
Bad debts are a problem but the banks have ways of managing this.
APT Price at posting:
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