With this new arrangement, I have seen 2 cases happening:
Case 1:
Credit card company: "Hello John Doe, we will cancel your $50.00 payments that you pay every month!"
John Doe: "Great! Thanks! Such a wonderful company. What should I do to get this going?"
Credit card company: "Nothing. We cancelled your $50.00 payment. The only thing you have to do is send us $15.00 instead for the rest of your life. Ain't it a deal?"
John Doe: "Oh..."
Case 2:
John Doe: "Great! I just finished paying my credit card! I have a zero balance!"
Credit card company: "Ah, nope! Actually, you gotta pay us $15.00 for the rest of your life."
John Doe: ":-("
In both cases, our friend John Doe loses. In both cases, the congregation loses.