George 95% of the people with credit cards are carrying an unpaid balance. I also never have seen any Multi millionaires talking about how they got "rich" using free credit cards. I had a credit card before debit cards came out. Since then used debit card only. Do not use it that much either. Most places still take cash. I know it is shocking but they do. LOL
I think credit cards should be out lawed right after student loans. They both are using predatory lending practices. Many people with credit card debt could not borrow an equal amount from a bank/saving and loan. As they would not meet the lending standards. So it is fine for a business that charges many times those interest rates to lend these people money????
The banking deregulation that Reagan did has not turned out very good for the average American. The big banks have taken more control that they had before. Small banks are just about extinct. This happened on a smaller scale in the 1920s. Eastern banks owned large sections of land in farm and ranch country during the depression. They wanted to be able to foreclose on the land and then profit from owning it. federal banking regulations changed and stopped that from happening. Now it is back in full swing. With credit cards replacing the land loans of the past.
It is not just young consumers either. Older single farmer just ten miles east of me died six month ago. He had $75,000 of credit card debt. Farming having to sell to settle the estate.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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