You don't fill out forms or what you imagine. And because it is a credit card, you don't lose your money. Regarding your last question, about the 15 seconds fr

You don't fill out forms or what you imagine. And because it is a credit card, you don't lose your money. Regarding your last question, about the 15 seconds friction, you should work for a bit in online commerce to see how fast people give up paying if there's even a little inconvenience in the checkout process and go somewhere else they perceive it makes their shopping experience easier. The biggest drop in conversion rates happens at the checkout stage.