Credit Cards  41% of the sample has a credit card 53% of whites, 35% of blacks  21% of those without a CC want one but cannot get one  46% of those without a CC have had one in the past  9% of credit cards are secured  Median # of cards = 2 (mean=2.8)  2/3 know their APR, median=13%  27% pay an annual fee  22% paid a late fee  The interest rate changed for 35% of the sample 61% knew that the rate could change  15% have transferred a balance from one card to another