Tornado Alley (PROG)

[ordinarydude]

Those are very credible reasons to retain (or obtain) credit, but there is a LOT of fear in our nation lately.

And fear is a powerful motivator...just like denial, and greed, etc.

Simply put, people are fearful of losing their jobs (not to mention heavily in debt and/or upside down on their cars/homes, etc).

So where is the incentive to get a line of credit, when there is little appetite for taking on new debts these days?

Ordinary