This is the Ramsey Call of the Day, part of the Ramsey Network.

So, um, another, uh, another dumb, dumb, dumb thing out there, huh?

It's like just when I think we've covered the pinnacle.

There's something else out there, guys.

And for some reason, Dave, yet again, he locks our all the rage.

And it's not enough that you can pull the equity on your home.

Now they've turned it into a whole thing.

This is called the Aven credit card.

But it's not like all the other credit cards, Dave,

because those other credit cards,

they're bad, bad, bad.

They're unsecured debt.

Wouldn't it be nice to have one that's secured debt?

Yeah, so when you buy a steak you can't afford

at the restaurant, you lose your home. Oh, there you go. Yeah. So when you buy a steak you can't afford at the restaurant, you lose your home.

Oh, there you go. Because you pledged collateral. A steak for your home. A nice trade.

And that's what they're saying. They're saying, wouldn't it be nice to have a credit card that lets you

use your home equity to get really low

rates? It lets you. This is a privilege, Dave, that we... It's so sweet of them. They're so service-minded.

And I love that it says you get really, really low rates between 7.99 and 14.99 variable interest.

Better than a credit card.

Is it?

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