But credit cards arent a very complec financial product, and the vast majority of people can manage them just fine, and get the benefit. Do you have any reason

But credit cards arent a very complec financial product, and the vast majority of people can manage them just fine, and get the benefit. Do you have any reason to think junk mail is big factor in people getting credit cards? I would assume most people like the idea of convenience, and dont think they will go into debt. most are right.