If there is no option to term the debt out past a couple weeks, who cares what the APR is? It's a fixed 4 dollar fee on 200. That's not the kind of debt that g

If there is no option to term the debt out past a couple weeks, who cares what the APR is? It's a fixed 4 dollar fee on 200. That's not the kind of debt that gets people in trouble. These people are much more likely to get nailed on the 20% APR portion which they finance on the card.