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How To Use IOU Notes as
an Alternative to Credit Cards


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In this episode of Money Creation Explained we are going to cover How to Use IOU Notes as an Alternative to Credit Cards.

Before Credit Cards, most people paid for everything with Cash and Checks. People controlled their spending so that if they did not have the money in cash or in their bank account, they had to wait to make purchases. Then Credit Cards came along as the fastest and most secure method of payment instead of carrying cash and checks around.

Credit Cards came along and boosted economic growth, but it is commonplace now that people do not want to wait and they can buy now and pay later. Most of us do not think about the long term effects of just paying the minimum card payments, which is the interest, and everyday more people are drowning in debt. The average American does not have $1,000 in their bank account to cover an unexpected bill. We have become a spend now nation while saving very little.

IOU Notes is a peer-to-peer credit and loan platform that is not based on a person's traditional credit score (FICO), but rather on their IOU Credit Report and their ability to pay back others. Every user on the IOU Notes platform can decide who to give credit and/or lend to, how much and the terms (1- 24 months), (0% - 5% interest rate).

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