you need to let credit card companies offer credit cards with 500 dollars maximum or 700 dollars maximum limit, no more than that....And if a person wants a second credit card he/she has to apply and the company reviews her spending behavior or bill payment history...You need to do this, USA and Canada & England....And Japan....And the Northern Hemisphere....

this will stop credit card debt and make Americans, Canadians, Britishs & Japaneses richer...

And northern hemisphere you need this because you are not the USA or Japan....