My definition is probably wrong for predatory lending. That is most often used for mortgage loan issues. I agree, no one is forced to borrow. Credit card companies will, however, extend credit to those who may not be able to repay based on their income and current debt. If your credit is good, you can have a foldout wallet 3 feet long of credit cards if you wish. It is the consumer who must be able to see their own limitations, but often they do not.