Financial Stupidity

This past week I received a pre-screened loan for five grand with a certain bank and called a couple of days ago to see if I'd be approved. The loan wasnt to pay my debt since I'm happy with my credit cards apr but to pay off my mother's. Her apr is at 24.9 apr and I was hoping to get her this loan so she could get it at a lower apr rate. I did get approved but at a rate of 28.4 % apr. The lady on the phone tried to talk me into it when I decided to cancel the loan. I'm sorry do these financial people think I have "stupid" tatooed on my forhead or something. I can do the math ya know. Plus I used to work for that stupid company through another financial office. So there went my plans to lessen the financial burben for my mom. Well when one plan gets nixed its on to plan B or should it be C or D by now. Oh well back to the drawing board. And here's a little note to those financial companies ...it's not nice to be vultures who make it a habit to prey on the less fortunate and sadly many who are not knowledgable in financial company's dirty tricks they go for those scams. Shame, shame on you companies that make money off of the back's of hardworking citizens.