How many Credit Cards do you have? [View All]

I ask because I work for a place where people come to pay for Before/After School Care for their kids.

Yesterday, one of the mothers who was late in paying asked to have the small $2.50 late fee waived and we agreed. She proceeded to pay for the days she needed and pulled at least (I counted) 10 credits cards with VISA or MasterCard logos on it and went thru them like dealing cards saying, 'no, can't use that one, no not that one, where is the one I can use?' and then pulled a few more out of another area of her wallet when she found one and said 'this one is OK to use'.

Banks and credit card companies are partially to blame for the credit crisis in housing and soon to be consumer debt crisis! Why do they continue to give loans, credit, to those least able to afford to manage it properly! Why give a home loan where the payment is 50% or higher than the income????