Could this be the way to avoid the usury of the credit card industry? I haven;t checked Proser.com out yet but wouldn't it be wonderful to have a fixed rate and clear terms?
This industry is practically unregulated and is a major cause of rising personal debt. You purchase an item when the rate is 9% and end up paying for it at 19% while never missing a payment. You are subject to mediation by an entity controlled by the banks. Most of what you are paying is not related to what you actually bought. The consumer needs protection.
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