In 1984, Andrew Kahr founded a credit card company called First Deposit Corp.
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In a March 1999 memorandum published by the San Francisco Chronicle, the founder of the company, Andrew Kahr, asked company executives about its customers: "Is any bit of food too small to grab when you're starving and when there is nothing else in sight? The trick is charging a lot, repeatedly, for small doses of instrumental siccredit." Many critics contended that the extended credit makes the borrower poorer than before the credit was extended.
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