OPINION: Credit cards are firmly entrenched in our daily lives. Reserve Bank statistics show that in December 2016, Kiwis owed around $6.4 billion on personal credit cards, of which $3.9 billion (about 60 per cent) was incurring interest.
from
http://www.stuff.co.nz/business/opinion-analysis/90707155/Kick-your-credit-card-habit
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