The world does not need another credit card. The world needs another vehicle to get people to pay in cash. People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.
For seven years I was a waitress making $400 a month. Don't think that I don't remember what it's like not to have a pot to pee in. Who would you want to be giving you advice? Somebody who doesn't have any money?