In recent years, there has been a dramatic growth in credit card usage among the people. This increase in\nthe number of people holding credit cards and incurring credit card debt has generated concern that these people\nare overextended and unaware of the long-term consequences associated with severe indebtedness. Credit card\nunhealthy practices become been a world-wide challenge in the global business environment. The effect of default\nhits not only the victim, but also the banks, credit card companies, merchants and even the economies.
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