Union benefits.

I belong to a union, CWA Local 7505. The cost for union membership is $800 a year. Yesterday I received a credit card offer that was specially negotiated for union members.

1. Interest rates between 13 - 17 % depending on my creditworthiness.
2. Cash advance at 20% interest.
3. If we have a strike and wish to skip a payment, interest continues to accrue and I still must meet eligibility requirements.

They used to call this usury but now it is a negotiated advantage.