[fcaballe]

Almost none low income workers have access to a zero-rate credit card with credit limit available and zero annual fees.

Besides that unpaid balance carries interest.

The idea is to de-risk by bringing their employers into the equation :)

[prepend]

It doesn’t need to be zero-rate as even a standard rate 15-20% card would be cheaper than this product, right?

If credit cards are payed without carrying a balance they are all 0%. So that’s at least 25-55 days depending on when the charge is made.