>>1007496
We've all been there so I know how your mate feels *wink*. You just sign up somehow, it's free. then when you get it they give you like 200$ credit you can spend. When you buy something you pay 1/4th of it and 1/4th a week the following weeks. if you don't pay it after a bit they give you fines.
If you get good standing you can get a virtual card for it and pay for shit in kfc or woolies with it for 10$ a month.