Credit cards and part-payments have become a common payment method in Sweden. We are exposed to credit card offers on a daily basis and choosing to use part-payment has become the rule rather than the exception. For many people, this is a way to manage their private economy; by spreading out the highs and lows. For others, it's a way to cope with unforeseen expenses, like when the refrigerator suddenly breaks. Having said that, it has been a long time since someone actually cared about you, the customer, least of all the creditors. You only have to look at the high-interest rates on our part-payment and credit card invoices. Our goal is simple, we don’t want to add to the burden of debt. Rather, make sure no one pays more than they should. Therefore, we never originate new loans, we just lower the rate on the ones you already have.