> Yes, it seems like a credit card in that it's predatory and should be illegal. Saying that credit cards should be illegal is laughable. Whether they're preda

> Yes, it seems like a credit card in that it's predatory and should be illegal. Saying that credit cards should be illegal is laughable. Whether they're predatory could be debated, but there is zero downside to using credit cards if you pay off the monthly balance. > Where is the business model if not to charge users Well, the article says "the companies more often make their money from retailer commissions, not missed payments", so let's say that the business model is there.