I will respond in English. In fact, as a cooperative association for family finance in Quebec, we meet with consumers face to face every day. Those consumers face serious budget problems. This is not a direct response answer to your question, but they sometimes have big problems with business, first because of the lack of knowledge of those rates, and second, because of the accessibility of credit cards for some and the lack of accessibility of credit for others.
That is also an interesting point. Some people have too much access to credit and other people do not have access to credit.
As well, you have to bear in mind that if credit cards are used so much by consumers, it's because banks are no longer giving small loans. Consumers are using their credit cards to buy furniture. Before that, they were using loans. This is not the same.