Those same type freebies , is what have many of us card holders, where we are today . One free offer after another , and our lack of not being able to peek into the future , to see what lies ahead . One better card, offer after another , and oftentimes, they were just sent by mail . Many people that knew better sent them back , cut them up or shredded . By and large, still many of us are in a major struggle , to keep our heads above water , in these most difficult times . Many of us have failed , loss our homes , cars , jobs , credit , and self dignity , because of expolitation , by whomever .

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