I read an article in the newspaper about excessive credit card issuing. Banks, insurance and card companies are competing with each other to attract more customers, and they sometimes break the laws. In some cases, they even issued credit cards to students who make no money themselves. Actually, when I was freshman, someone tempted me to make a credit card. She told me “If you make this card, you can get many advantages. And of course, you don’t need pay annual fee.” So I made it. But after one year, I knew that her saying is lie. I have to pay annual fee, so I took off the card. I heard all the materials used in making cards are imported from other countries. Many adults say they cut up the credit cards  as soon as they receive them from the card companies. What a waste of dollars! I hope the card companies do the right thing. Don’t push the people and make them a debtor.