I don't know if it's specific to the US (it seems less common in France), but I don't understand the concept of going into debt for consumption. On average 21% interest? How is it possible to accept that? But what do they buy on top of what they can afford without credit with average salaries that are among the highest in the world?
I was similarly baffled, for someone from Europe this is generally quite unusual, but with some experience in the US I wrote a detailed reply here
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