HULK SMASH CREDIT CARD DEBT! Retailers Rip Off Puny Humans!

Puny Humans Big Debt!

Hulk see puny humans sad! Why? Because shiny plastic cards make them broke! These 'retail credit cards' like trick! They promise shiny things but then… BAM!… high interest rates! Like Hulk when Banner get angry only this never stops! Bankrate say interest highest ever – over 30%! Hulk think that number should be how many cars Hulk smash in ONE day!

Sneaky Banks!

Banks say 'Hulk... I mean puny human you risky!' So they charge more! Hulk think *they* risky with all this trickery! They try to raise rates even higher thinking they get away with it! But then government say 'NO!' But banks don't care! They keep rates high anyway! They do not want to make Banner angry; they won't like Banner when he's angry.

Bankruptcy BOOM!

More and more puny humans go 'poof' – bankrupt! Since 2021 the number of humans with store card debt filing for bankruptcy go UP faster than Hulk when someone steal his purple pants! Stretto company data say new bankruptcies up 5.8% but those with store card debt? UP 12%! Hulk think banks owe puny humans BIG apology... and maybe some smashing!

Banks Hide Like Cowards!

CNBC ask banks like Synchrony Bread Financial Barclays Citigroup and Capital One what they think. They HIDE! Like Loki behind Thor! Only one 'Consumer Bankers Association' talk. They say these cards 'help' puny humans. Hulk say they help banks get RICHER! They say humans have 'thousands of options'. Hulk only see one good option: STAY AWAY FROM CREDIT CARDS! And maybe smash a few... responsibly.

Methodology Madness!

The data come from Chapter 7 cases. This means sad humans with NO MONEY LEFT! Stretto company use computer magic to track things. They look at Synchrony Bread Financial Macy’s cards. It's like Hulk trying to understand Banner's science… confusing but Hulk get the gist: People in trouble because of sneaky cards!

Hulk's Advice: SMASH the Debt!

Hulk know best way to deal with problems: SMASH! But Banner say maybe not smash banks. He say find better ways to spend money. Maybe save maybe be careful. Hulk think maybe he listen to Banner this time... But if Hulk see one more human cry about credit card debt Hulk might just… gently… rearrange some bank buildings! Hulk… OUT!