Poor searches not enough choice very expensive not clear enough about acceptance or how much payments are going to be.
High interest is ok lower prices maybe if offering a better selection for payments, or lower interest on longer plans say when 6 payments made. Make it easier to pay by lower monthly. Give option if attachment of benefits is done with no interest if buy 2nd item. Just make it cost less but only with benefit attachment, more cost will have more likely to default.
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