"People cut up their credit cards" Z1p is essentially a credit...

"People cut up their credit cards" 
Z1p is essentially a credit card?

Who would consumers prefer to user, a option that charges no interest or monthly fees, or a company that charges both interest and monthly fees?

I get your here because @ValueTrader82 pointed out some concerning points in z1ps financials, (he must have hurt your feelings) but surely you could research a little more before down ramping?