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The average outstanding credit card debt for households that have a credit card was $10,679 at the end of 2008. (Source: Nilson Report, April 2009)

26 percent of Americans, or more than 58 million adults, admit to not paying all of their bills on time. (Source: National Foundation for Credit Counseling, 2009 Financial Literacy Survey, April 2009)

Penalty fees from credit cards will add up to about $20.5 billion in 2009. (Source: New York Times, September 2009)

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