Fosters -

I got your email . . . I'll be in touch soon. MMAs do work, and they're guaranteed to do so. The only people that would never consider this are people who are that well trained by the banks. You're right, most people don't make any additional payments. That's actually one reason MMA are going to become very popular . . . people don't have to save up their own money to make an extra payment, they don't have to pay the bank fees to set up a bi-weekly payment plan. It's all done for them, using the bank's money! The only real risk is that a person might go out and spend their available credit on frivolous purchases. There's nothing that anyone but that person can do about that, but MMAs provide a real-time display of the long-term effect of those frivolous purchases, hopefully providing maximum incentive to stick with the program. As for how to deal with the skepticism, I'd say our exchange on this thread pretty much sums it up. All I have to do is convince people to think outside the box that the bank has made for them. It is important to note that I'm not asking anyone to "throw all their money" into anything. Their money doesn't go anywhere & noone but them ever has access to any of their money. Thanks again for the good questions, I'll talk to you soon.