I started to sign up for this to see what it was all about. It looks exactly like a credit card to me, backed by a bank. Here's the introduction to the standa

I started to sign up for this to see what it was all about. It looks exactly like a credit card to me, backed by a bank. Here's the introduction to the standard terms and conditions you get with any credit card application: > Prior to applying for a Dwolla Credit Account, Comenity Capital Bank requests your consent to provide you important information electronically. The APR stated in my "prescreened" offer was 24.99%, which is staggering compared to my existing revolving credit accounts. There must be some subtle feature that makes this product novel, but I don't know what it is.