Credit cards are never good when they accumulate debt. Its not free money, you still owe it.
If you look at other data on what people are spending on, it looks like people are just really budget constrained.
At some point, something will have to give. Probably, it will be a lot of people moving into less expensive places.
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I did see that luxury product market keeps soaring.
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Really? I don't think the one I'm thinking of had a separate "luxury" category.
People are spending less on things like dining out, travel, entertainment and more on groceries, insurance, energy, housing.
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