More credit card holders not paying their bills in full

[Musicwhiz]

Ben, I couldn't agree more with you.

I find some of the reasons these so called professionals come up with super lame. They are basically assuming that humans have low intelligence.

Hoho I agree with Momo!

1) It's an insult to our intelligence.

2) These "experts" have to come out to justify almost everything. Somehow it's hard to admit there's a problem. Why??

3) Would admitting there's a problem demonstrate that their tactics have been less than effective in supposedly containing the problem? To avoid making themselves look bad, they rationalize it away.

4) Therefore, being unable or unwilling to confront and solve the problem only means that it will get much worse!