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The interest charges on credit debt, is so high, that you should still make more money.
For example, if they charge $100, and pay $100 in interest and principal, and still owe $80, you have made your money, and can sell the debt also. Then you write off the loss as a tax deduction.
Your profit margin should be about 80%, so you only paid $20 for the item, and get $100 for it, and they still owe $80, you win all the way.
Then you have a penalty when the payments are late.
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