Credit Card Companies Do Not Want You to Repay

In most of the markets, we don't even have late payment fees. The big difference between us and a credit cart company is that we have alined business objectives with the consumer. If you look at credit card companies, they do not want you to repay. And revolving credit is amongst the most vicious things there are. I'm amazed that government allowed that to happen. On all your credit cards, you know, you need a bit of credit, but you can set a default minimum payment that's much higher. A consumer that repays us is a good consumer because actually what we want, we want people to buy the next thing would clarn as well.