Great thoughts tzs, thanks for this comment. We're hoping to perceived as being helpful. We think it's pretty transparent and we also send users monthly reminde

Great thoughts tzs, thanks for this comment. We're hoping to perceived as being helpful. We think it's pretty transparent and we also send users monthly reminders advising them to pay at least 1/6 of their bill each month. In terms of your last question it's definitely disrupt first! However we did consult a lawyer who thinks we might be ok as PayPal Credit is licensed throughout the U.S. But we'll see!