well, greg mcbride joins us now to talk about that. greg, nice to have you here. >> thank you, sue. >> you eeknow, it as though it's a good idea for those who are, quote, unquote, unbanked, don't have access to credit, but it seems the devil is in the details. one instce is an extremely high interest rate. >> very high, even by retail card standards, the interest rate is over 28 retail cards by nature tend to with igher rates to begin but even 28% is really at the top end. >> and that's on a secured card, so you deposit money and that becomes your credit line and yet you're still paying the 28 o ther thing that strikes me is you can only use the card to buy items on amazon. that's a new wrinkle. >> yes, and this is a -- what's called a closed loopard so like a lot of retail cards you can only use it at that particular retailer so this -type card but having a secured card that's kind of a new wrinkle and you're right, you make a deposit that's equal to your credit line, anywhere between $100 to $1,000 really takes away a lot of the risk