What Are The (1)problem (2)cause (3)solution Of Eliminating Credit Card Debt?

for a persuasive speech, i need to persuade my audience to eliminate their credit card debt, i need:

1. describe why credit card debt is such a huge problem
2. the cause of why people have so many credit card debt
3. solution of eliminating credit card debt

please give me some ideas and where i should go to research this

All the information you need is on http://www.daveramsey.com/

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