Reckless Unreckless Lending

I was happily surprised to learn that Discover Card is offering a new product, the Motiva card, that actually rewards consumers for timely payment (offering an interest rebate after 6 months of timely bill payment).   Perhaps unreckless lending is making new headway?

Alas, no.  Sadly, one cannot qualify for the fiancial payment if one pays one's balance in full each month.  Only "loyal customers" who carry a balance get the reward.

Put another entry in the too-good-to-be-true column....