The bulk of people with bad credit are not rich... and bad credit disproportionately harms people who are not rich. But that wasn't the point of my comment or t

The bulk of people with bad credit are not rich... and bad credit disproportionately harms people who are not rich. But that wasn't the point of my comment or the GP's; we were talking about the 1-3% tax on goods (effectively) imposed by credit companies... and how people who aren't in lower socio-economic classes are largely oblivious to the costs it imposes on poorer populations.