Title says it :P
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Title says it :P
It's more complicated than it sounds. But it skips credit cards so this should be profitable.
Nice idea. :)
Little kids will make big phonebills...
Even if someone has lousy (or no) credit, you can still open a bank account and get a debit card which can be used as a credit card. I don't really see any excuse these days for not having a credit card unless you are a kid, and if you you are a kid you can use your parents credit card, and if they won't let you then you probably don't have permission to make the purchase anyway.