These individuals have an urgent need for cash because they are experiencing a time of financial difficulty. Their paychecks aren’t enough to cover upcoming expenses like rent, groceries, medical bills, family emergencies and are barely able to make ends meet. They are credit- challenged and are willing to pay a premium to get out of the hole they found themselves in. Majority of these individuals are single and have an average income between $12,000–$38,000. A portion of this group relys on public assistance. Recommended usage–secured credit card offers, loans, sweepstakes offers, insurance, debt management, selfimprovement
