### Comment:
You really have no idea how these things work.  The idea is you never pay the 28% interest because you always have it paid off.   
  
 There is credit involved here because they give you a real line of credit equal to the collateral they are holding from you.

### REPLY:
And you are a moron if you think credit is the same thing as putting money into your account and drawing off it. That is called a debit card.

### END.