Your bank has seen your spending habits and has decided you need a little "encouragement" to be more responsible.
We're talking interest-only payments, folks. You're basically paying us for the privilege of owing us money. It's like renting a car that's already in a ditch.
Don't worry, we'll just add this to your balance, and you can pay us back whenever you feel like it. Or not. We're not really your friends, after all.
Want to see your account balance? Click here. Or don't. We won't judge you.
Need help? Contact us, we're not really here to help, but we'll pretend.
We're not saying you're stupid or anything, but... Financial advice might be helpful.
And remember, we're watching you.