Soooo.... wait a minute.... you're just going to magically charge me $24 without giving me the $24... I thought I got the $24 and THEN I pay it back to you like a loan 😂😂😂😂 so I'm paying $2/month, just so you can say "on-time payment with low credit utilization"? (So just a service fee) I guess it's the most legally fraudulent thing I've ever seen! I was definitely anticipating a 'nano loan' lol especially when the ads say "we'll give you $24"... I'll think about it. I'm in my feelings lol