Haha.. yup, there's no free lunch, there "must be some prawns behind the stone"!
This reminds me of the loanshark Maybank which sent me RM5,000 checks for 2 or 3 times, persuading me to bank in the check, saying it is interest free, blah blah blah... well they disguised the interest as a "one-time processing fee" and are hoping to get me into debt, starting with small little loans and ending up with my life screwed by big loans!
Well, I'm not so stupid haha... no thanks!