On the topic of hating to read, it reminds me when I bought my TV, the online store would only sell it on credit, with 0% interest. The paperwork came in the mail with a free credit card too. The sign up form (from some bank, not the store itself) had 2 signature fields, but the 2nd field was to sign up for insurance tied to the card. I looked it up online and there were so many mad reviews of this bank from people who signed the 2nd field and claimed they got scammed...