In these tough economic times, many people have no choice but to turn to their credits cards to pay some bills. Most economists argue that this is not a financially prudent course of action.
Credit cards companies have long been accused of being less than reputable in their business practices.

The question for consideration this week; are credit card companies exploiting American consumers, especially in these worst of economic times. You are required to do some basic research on this topic and use/cite at least two academic sources