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the average American household has about six thousand dollars in credit card debt and many people are paying more than they have to because they dont understand the agreement Jericka Duncan now on the fine points of the fine print 35 year old justin Barton has had several credit cards over the years have you actually read the contract for your own credit card Ive never really read in detail just skim through it and sign my name to it because Barton like many Americans finds the contracts too confusing theres a lot of fine print in there you almost see the Lord agree to understand it according to a new creditcards.com analysis about seventy-five percent of Americans dont regularly read them the average contract requires an 11th grade reading level although half of the American adult population reads at a ninth grade level or below and the average agreement is nearly five thousand words long and fact the less you might appear to understand the better chance youll be targeted with h