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Requirements to Apply for a CashNetUSA Loan February 11, 2010 at 11:45 pm ADVERTISERS & SPONSORS In maybe the best observation of the conversation because it dealt with something specific (unlike the stuff Mayo always talks about), Link also said she's concerned that C has gotten "very aggressive" in its credit-card portfolio. Mayo said he did a "deep dive" on teaser rates and studied whether consumers who get "free money" for transferring balances for up to 2 years tend to keep the card when the real rates kick in. He said the company claims it keeps "a little bit less than half" of those customers. Indicating Stephanie's concern is a non-concern, Mayo said, "I sleep fine at night because the credit quality is so much better." There’s no annual fee, and the cash-back rewards don’t expire. 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