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They know that statistics reveal if they can get a credit card in your hand that you will spend 34% more in a year than you would with cash. The average American credit card holder charges more than $2500 a year on credit cards which has an average interest rate of 18%. Just listen to the following statistics gleaned from applications for a home loan from an unnamed bank. 90% of all applicants have a minimum of 4 credit cards and 3 out of 4 are at maxed. 82% of all applicants have 2 car payments, the average payment being $396 for 48 months. 1/3 of the younger adults have overdrawn their checking account 90 days before the loan appointment. Get this: Of...

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