Am I being played

SGBARRACUDA said
Well with that in mind. Can you loan me $5000.00? I’ll pay you back when my hunch back brother straightens up. lol

Ok, send me $10k and I will lend you $15k back at zero interest for 6 months. Once you have repaid the $15k, I will repay the rest at only 1% interest. If you miss the deadline, the default interest is 29.75% per month.

Welcome to the credit card games.