Is it bad investment for 2% a month
That’s like 24% annually
1. points are not cash
2. if everyone did the same due diligence they would/should do before lending or investing money and then lend or invest responsibly, we wouldn't be having these discussions here.
My main point is that people simply don't realize the risks involved.
I'm a big fan of getting extra points. But I am against ppl not realizing the risks they're taking and even more against those who downplay the risks or even "guarantee" that it's risk free