> It’s effectively for free, except for Also except for the risk that financial problems will force a cardholder into accruing interest, and often that interes

> It’s effectively for free, except for Also except for the risk that financial problems will force a cardholder into accruing interest, and often that interest will get a lot worse if payments are missed a 5% card changes into a 22% card if more than some number of payments are late and some number may be just 1.