For years now I have heard my realtor friends talking about the American dream of home ownership. Many Americans were able to realize that dream from 2004 to 2006 as the number of subprime mortgages increased from a historical low of 8% in a given year to about 20%.
Back in 1958, BankAmericard issued the first general-use credit card on a national basis. Prior to then, individuals did not have the wide-spread privilege of financing every-day purchases. As far back as the 1930s charge plates were used for purchases at a particular store.
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