Not sure if I get it....
Is it 5 % flat regardless if I have a smaller months lets say 5K. So does flat means that?
and what after 90 days where is this flat 5% goes up to?
Sound a bit like a cable company

Get all these new channels for 19.95 for 6 months and then they hit you with 100 bucks, unsolicited credit card companies use the same enticement... no penalties for late payments and low interest but after 60, 90, 120 days its 27 %
tell me it is not so....
