Not only do they get into debt and spend beyond their limits, but they also forget to read the fine print. Most consumers borrow money from credit card companies but don't realize the additional fees. Every late payment or transaction that goes against the credit card companies' guidelines only adds to further consequences. This causes borrowers to spend even more money on the items they originally purchased. Especially if they already have payment issues on the monthly bill, this just adds to the amount they have to pay. Credit card companies intentionally target borrowers who are already struggling with debt because they know there is more money to be made from them rather than from customers who pay their monthly fees on time. The author, Patrick Maysun Jose, a reporter for The Post and Courier, says "is critical of card issuers' high fees and aggressive marketing tactics, particularly toward financially naive students and low-income communities." Levin says people have been bludgeoned by credit card offers. , often going to consumers already struggling with debt. . . “By not having adequate knowledge about credit cards and their policies, more and more people are suffering from debts that could have been