<prompt> Human: Its invitation only at the moment, but I figured Id ask you guys about it. Will this company just charge higher interest rates than others, with the expectation that a lot of people wont pay monthly?  <response>: Theyll also make money from merchant fees when people use the credit card. Any decently run credit card company should be able to operate just from that. Charging interest is really about profit and a reward for their risk. 