I detest credit card companies so they are the first on my list every time.
All that being said, credit, when used properly, can be a good thing. Problem is, our country (and the credit industry in general) has become like a brewery and customer base that has become a huge industry dependent on everyone drinking like sailors on shore leave.
That is the problem, and it’s gonna leave a mark.
The figures I've heard bandied about in A.A. is that 10% of drinkers buy 90% of alcohol sold.
(32 years-O.D.A.T.)