Can anyone tell me what's the upside to these companies today? I have talked to a few of their users, but I still have not heard a sound reason. They mostly see

Can anyone tell me what's the upside to these companies today? I have talked to a few of their users, but I still have not heard a sound reason. They mostly seem focused on items like clothing. If you can't afford it, don't buy it. Or use a CC and earn points. They don't seem to provide any extra consumer protection or benefits.