Here's a good example of how to mislead with charts. It looks like credit card balances are out of control. Consider: - There's 12% more US households vs the '08 peak - inflation is up 46% since '08, or dollars now are worth 32% less - Real incomes have risen 10% since '08 beyond inflation Combined: $1.1t in cc balances vs '08 is only about $750b accounting for inflation, then about $675b after accounting for rising real incomes, then $590b stripping out population growth. Well BELOW 2008 levels