This is the deal.
You will only be charged specific rate if you happened to have unpaid charge in your credit card on top of the finance charges you have to pay.
The benefit would be insurance coverage for whole life even after you no more using the card.
How about those credit user who never have credit balance at the end of every month?
They will never be charged. Means that they will be enjoying the benefit for free.
Interesting right? Yes...
But not fair.
So, that was what I have informed the caller yesterday when she rang me up marketing her product.
And beware.... nothing is free in this world and the bait will always look interesting.