just a moment there, moonie - we can't have a practical consideration get in the way of pious, self-righteous indignation, now can we?
Here on Free Republic, we smugly assume that people CHOSE to be taken advantage of by predatory lenders and that people's own foolishness and habits of sloth cause the emergencies that may require the use of a (gasp!) credit card.
As you know, moonie, most of us here on Free Republic pay cash for everything (including homes and cars), have portfolios bursting at the seams and several years worth of income sitting in savings. People who don't are stupid, wicked "welfare cheats" and Jesus doesn't love them like he loves us.
I only hope Jesus can forgive your wicked, evil thinking. I will pray for you.
Well done sir.