In America there is a culture of indebtedness. There is a debate between whose fault it is when one gets indebted.
In the Philippines, credits card giants like Mastercard, Visa, Amex etc. are operating without much regulation. They are considered as predators to gullible customers.
Read the article below:
http://www.iht.com/articles/2008/07/22/opinion/edbrooks.php
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