AFF
( ) PBS Frontline, 2007
http://www.pbs.org/cgi-registry/generic/trivia.cgi
"The credit industry's jargon for someone who pays his or her bill in full every month is "a deadbeat."
"The average American family carries a credit card debt of roughly $8,000."
If the debt on average for the American Family is 58,000 dollars, then it is obvious that it is not primarely from credit cards.
"Who regulates the national banks which issue most of the credit cards in the U.S?
The Office of the Controller of the Currency."
( )
Erin Huffstetler, 2007
"A recent Bankrate.com article found that the typical consumer carries 11 different forms of credit, with 3 of those being credit cards and the other eight being installment loans for cars and furniture, student loans and mortgages. That adds up to a lot of bills to pay at the end of the month, and a heavy financial burden."
NEG
( ) PBS Frontline, 2007
http://www.pbs.org/cgi-registry/generic/trivia.cgi
"Why are there no legal limits on the amount of interest and fees that banks can charge for a credit card?"
"There are no legal limits on the amount of interest and fees that banks can charge for a credit card because two U.S. Supreme Court decisions permit banks to charge what the market will bear."
"Nearly 144 million Americans have general-purpose credit cards."
NEG CAUSE-RELATIONSHIP
( ) Gelu Ionas, Truman University, 2007
"We all understand basic principles, such as “hot air rises”. What we often miss is the understanding of the fact that an effect is seldom determined by a single/unique cause. While, at times, there might be direct determinant/causes to a perceived effect, in the real world, a cause or originating event will influence the effect from multiple directions, through networks of interconnected causal connections. In this way, a multitude of chained causal relationships are participating in defining the overall effect of an originating cause or event on the targeted party."
for me 
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