Ok,,,thats fair, but would you have paid it off?
i have a fantastic credit history, i have payed off every bill i have ever owed in full as soon as it was due, except for maybe 1 or 2. So i would have paid it off and would have been very thankful
but there would be those morons who would take advantage of the situation and get a loan even though they know that they would never ever be able to pay it off, and they would screw everything up for all of the peoplewith good credit, like me