I think you're absolutely right. There are a lot of people accessing credit cards as a form...which is having debt. It's more accessible than, for example, a line of credit, which might take the income and assets into consideration before they can borrow. It's usually at a much lower rate. Meanwhile, credit cards are being marketed—in the experience of our participants—at post-secondaries, at grocery stores, at malls. It is no credit check or one credit check, and you're automatically eligible for $500 or $1,000 credit limit.
As well, our participants get general mail that says they're pre-qualified for a credit card. All they have to do is sign their name and they would receive a credit card. It is highly accessible to access credit cards and their debts.
I hope that answers the question.