Quote
Why do you read only some pieces of sentence ? 
i read all of them, but your words are meaningless.
In July: payments will be delayed by end of the month + checkins + 10%
in August: payments will be delayed by end of the month with last month +10% + checkins + 15%
in september: payments will be at the end of the month, debt will be paid too
In my case i get less than 20% of your debts paid in the last two month, without getting any additional 10% & 15% "bonus" for your delayed payment. I1m also not sure if the checkins in august have been converted, i think they are still missing too
i know you want the user to pay the debt by themselves, in decreasing price and winning chance - you can set them to zero, with luck there are enough people who like to checkin for free
I would call this scam, but it seems there a still some users how like work and not to get paid
