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<p>[QUOTE=&quot;Cloudsweeper99, post: 1415466, member: 3011&quot;]I don&#039;t know whether this amount is higher or lower than a few years ago.&nbsp; And I would bet that most of the debt is held by folks who are at the higher rather than lower end of the income scale.&nbsp; But that isn&#039;t the point.&nbsp; The 12.8% rate shows that the low interest rates hurt individuals.&nbsp; The spread between what is earned on savings and what is paid on revolving credit is enormous.&nbsp; And the lack of growth in savings, jobs, and income are directly related.[/QUOTE]</p><p><br /></p>

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