Get the suckers to commit to paying it off a little by little:
Nail you if you miss a payment. LATE FEES
6% for nine months then 13% at a time when interest rates are at an all-time low
Get you to pay it off little by little so the items you buy are not worth as much as you're paying.
Of course, your old purchases still pay higher interest rates.
Best to pay a credit card in full every month so you save a bundle while the suckers are making the bank rich.