You should probably do some research about the type of prime...

You should probably do some research about the type of prime shopper that uses SPT and the average order values that are deployed. Further, those types of shoppers with credit card limits of $50k plus are not worried about a small hold of less than $10k on an otherwise unused credit line. Only a sub prime borrower with a tiny $5k limit would be worried about the hold on their card.

Anyway - All eyes on Nandan to distribute to large merchants in coming 12 months to fuel your sub prime $3k credit card limit users.