who
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That was 2008, < mod snip > not college age Zimm. And his being an Altar boy isn't relative to the case either. Nor was 3/4's of the stuff in that fluffnutter.Maybe it was left out because they felt that was not relevant to the case.
IMO it doesn't show "character". If so, most of the under 23's of the world would have really bad "character".
Credit card companies/banks target young college aged people because they know they are not responsible and will run up their debt on those cards.
A lot of those young people default on the cards because they over spend and are not able to pay them off.
It's a horrible cycle and I blame the financial institutions a lot more then the card holders.
They know exactly what they are doing and it so unethical IMO.
JMO
That other portion really likes to place the blame of not paying debt back to the credit card company. IMO, that's ridiculous.