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Somehow, the USA, with a population of about 294 million, managed to have over a billion
credit cards in issue. That's over 4 cards for every man women and child. About 20,000
different cards are on offer from suppliers.
Those credit cards, together with debit cards, account for a quarter of ALL personal
expenditure in the US.
Debt is a fairly recent phenomenon. Before the 1930's, most people couldn't borrow,
even to finance property, and either rented homes or built them from scratch. Nowadays,
mortgage debt runs in the trillions. Personal debt excluding mortgages is about $19k
per household on average, over half of which is on credit cards, a figure that is
triple the statistic of 1990.
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