Take a look at the video which illustrates the difference with prime vs sub-prime markets and how we got into this credit mess. I have heard this too many times.
http://vimeo.com/3261363
Another article about credit cards that the banks do not want you to know....
http://articles.moneycentral.msn.com/Banking/CreditCardSmarts/10-things-credit-card-issuers-dont-say.aspx
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