A
if you don't ever have to pay any interest on it because they give you a certain amount every time that you use it, and you make that money as long as you don't ever have to pay them any, uh, interest. Now it's, and people say, well, you know, I'm making money by using this credit card, but they don't realize that if they, I mean, it only takes one time for you to use it and not pay the interest, I mean, you have to pay the interest, not pay it right off,
B
Uh-huh.
A
that's going to take up what you would have made.
B
Huh.
A
So that's the only reason that we kept that, we debated for a long time plus they don't have that, um, charge on it, you know, like ...
B
Service charge you mean?