I'm not sure what it's like today but when I was in the military they would just make the payments for you if a creditor convinced payroll that you owed the money.
You didn't have to leave the base to find somebody making payday loans with 25% interest.
There are all kinds of credit scams and come-ons out there. About a month ago I went into a farm supply store and bought a harrow. I gave them my bank card to pay for it. Instead of hitting my card they sent me their own credit card (25% interest) and a payment plan. I paid it off and called them about what I thought was a deceptive action to deliver me a credit card and put a charge on it.
I won't do business with a company like that and told them they lost me as a customer with the first transaction. I doubt it matters.