Credit card default recently just had the highest level we’ve seen since 2008 financial crisis and is showing no signs of slowing down. Our economy is in a no-win situation where people’s incomes are not rising at the Paese needed to keep up with the cost of living. So it is a guarantee we will continue to see credit card debt explode to new record, highs along with the delinquency’s for people who can’t afford to pay the bills.