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credit card changes are coming Im your host Steve Van Meter and thanks for joining me today you want to act now before your bank makes these changes to your credit card the sort of Bloomberg where we picked todays story up with a headline the banks bet on subprime consumers since credit card balances to a record as cars issue to customers with credit blemishes are surging now something I want you to understand that this is very normal in a late cycle economy you know what banks will do is they will seek out their best customers first the ones they really want to loan to but when that well dries up theyll turn to the people they really would rather not lend to because theyre desperate for business so when you hear that theyre going after people with low credit scores thats very normal at this point in the game balance of soared a 19 or 866 billion with an average credit lines also climbing to an all-time high and this jump came after card originations here is keyword subrime consu