I'm not the one who's uninformed. Total consumer credit as a share of GDP was 18% in 2001 and is 19% now. Those offers aren't new either. They were around 20 y

I'm not the one who's uninformed. Total consumer credit as a share of GDP was 18% in 2001 and is 19% now. Those offers aren't new either. They were around 20 years ago. And back then you could stick the balance in a savings account to arb a few percent positive interest.