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We send all offers from credit card companies with a note telling them we won't pay there high fees and interest and do not send any more offers and they don't.It is rather acidic how the credit card companies have roped the consumer into mega-debt.I think that people should get a book on the use and management of credit cards and other forms of credit so that they are fore-armed with the knowledge of just what they are doing.Diane Watsonfreeport, ny Dear FRONTLINE, While I agee that the banks are certainly taking advantage of people with credit cards, I also think people are equally responsible for the problem.

I don't understand why people can get so far in debt and think there will not be consequences when they fail to pay the balance for long periods of time. It's the same thing with the ARM mortgages, everybody wants to blame the banks, but they are just as responsible for letting themselves get in that position.

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