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This advertisement states how Nab's will  lower late fee payments and offer free SMS credit card payment reminders.  If you go over your credit card limit you will not have any payments to make.  Also, they are reducing the late payment fee on all credit cards from 30$ to 5$.  People need this feature because most people are late and forget to pay their credit card companies.  Nab's advertisement is aimed at  people who go over their limits, people who have troubles paying and people who cannot get the money in on time.

This add is well represented.  The picture is not distracting which is good because a small image will catch the attention of people who are wondering what it means.  The explanation of the product is very straight forward with easy descriptions of the many features.  There are defiantly risk associated because in a certain time period after you sign up for Nab's deal they could change it and the prices could go up and the SMS feature might change.  Consumers should consider other options before considering going with Nabs.  They should take into consideration changes that may take place in the future with a company that offers such great deals.