Let's see I'll give you a $500.00 limit on a card and charge the entire amount immediately for only a set up fee of $44.50. As you pay me back with interest I'll let you use some of your own money to charge, not all of your payment just some - and when you charge the small amount I make available from your payment - I'll charge you interest on that too. But just think - YOU'LL HAVE A CREDIT CARD in your wallet - Such Status - You have arrived! And since I'm only charging half the set up fee another major company doing this is - you get a bargain! I'll be rich in no time.