The average credit-card debt is $2,200, according to the Federal Reserve Hmnnnn. An excellent reference from a skeptic and I'm sure accurate. I checked the footnote, Joe Blow has 8 cards.
How prudent. [sarcasm] Why bother. p.s. rating agencies can't be sued. http://www.efinancialnews.com/investmentbanking/index/content/2348956158 Not sure you can read this article at the link. You can google 'sue rating agencies" and the entire article is available.