I've heard of Google offering trade credit for large advertisers, this seems to be a more mainstream way to accomplish the same thing while allowing them to cha

I've heard of Google offering trade credit for large advertisers, this seems to be a more mainstream way to accomplish the same thing while allowing them to charge 12% APR. Seems like a fairly intelligent idea, but I can only see people with poor credit using this card long-term. Anyone with good enough credit to qualify for any good points card would be stupid to not use that instead.