It's 3am here and I am super worried about my parents..Please I am not trolling..

[boutons_deux]

"I find it hard to believe that people have 3-4 maxed out cards."

"The average American household with at least one credit card has nearly $15,950 in credit-card debt (in 2012), according to CreditCards.com, and the average interest rate runs in the mid- to high teens at any given time."

http://money.cnn.com/magazines/moneymag/money101/lesson9/

The average US household credit card debt stands at $15,609, counting only those households carrying debt. Based on an analysis of Federal Reserve statistics and other government data, the average household owes $7,281 on their cards; looking only atindebted households, the average outstanding balance rises to $15,609. Here are statistics, trends, studies and methodology behind the average U.S. household debt.

https://www.nerdwallet.com/blog/credit-card-data/average-credit-card-debt-household/

Lender interest income on credit cards and bank overdrafts exceed the big banks total annual profits.

[ducks]

I have 0 credit card debt!