'5-6' is common here in our neighborhood. Every afternoon, I can see collectors dropping by the tricycle lane to collect the money from the drivers and other people from the village. There are some good payers and there are also several delinquent ones. Since I have been seeing ads on the net about credit cards for bad credit, I can't help but ask if this scheme will work on these people as well? Bad credit credit cards have helped a lot of people who are having problems with their finances so I guess this will also be effective for them. The interest for their loans is also smaller and they can receive their money faster compared when they avail it from the local '5-6'.