In 2000 I borrowed 6,000 in Oct from thse credit card checks they send every month. It was in the days that Aces Gold on Friday after 12PM reduced juice & you could buy 6 points @ -210 all the other books would have underdog at +6* and money was always +230 to +240. It was almost a sure moneymaker. Paid in off in February about $220 in interest but it got me started.