I was interviewed with them late last year.

The process included a couple of phone interviews, followed by a take-home coding exercise, and then an onsite interview with five or more people.

They pay well above the industry average, but I declined the offer after realizing that this company goes against my morals.

They claim no fees, but then charge people up to 30% interest for products they probably don't need anyway.

From some of the reviews I've read, it also seems like you lose the consumer protection that credit cards offer for items or services you purchase.

This company is backed by billionaires such as J. Kushner.

Profitability-wise, it's a great business model, as long as enough Americans are financially irresponsible.

Personally, I'd rather make less money and work for a company that, in my opinion, makes money more honestly and actually does something to help people.