1. Given what you have heard during the class discussions and what you personally think about credit cards, do you believe that:

2. 1. Credit card use should be restricted to needed items and not luxury items?

3. 2. People who use credit cards tend to overspend?

4. 3. Credit cards are generally a safe substitute for having to carry cash?

5. 4. Credit card interest rates are too high?

6. 5. Credit cards are too easy for people to obtain?

7. 6. Credit cards can help some people take advantage of a ‘good' sale?

8. 7. There should be a limited as to the number of credit cards a person can have?

9. 8. Credit cards make it more difficult for people to actually know how much money they have?

10. 9. Credit cards have a negative impact on the amount of money given to charities?

11. 10. People who use credit cards are happier than people who do not?

12. 11. The items purchased using a credit card are usually used up or of little or no value by the time the credit card bill comes for payment?