Why do you need one at 20% when I don't know anybody out there who wants a 20% credit card? They're stuck with a 20% credit card. They're also mostly the people who can't afford to pay a monthly fee or an annual fee, or they're giving up other point systems. Who out there wants a 20% card?
How can you justify a 20% interest rate? What's in your business model that's so poorly designed it requires subsidization so significantly from people at 20%?