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The Credit Card Company Made Me Do It Analysis

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Crippling credit debt is a plague often associated with adult life as the demand to participate in the consumer’s market increases exponentially. Everybody wants to be that person wearing the trendy clothes or accessorizing themselves with expensive material goods. Who wouldn’t want to signal to those around them that their life is going smoothly? In Carlos Macias’s article, “The Credit Card Company Made Me Do It!”-The Credit Card Industry’s Role in Causing Student Debt, he discusses how one of the best lifestyle facilitators offered to young adults is credit cards (Ramage, Bean, Johnson). The point of this article is to analyze the author’s purpose, logos, pathos, and overall persuasiveness; to uncover whether or not credit debt may not …show more content…

Thus, it stands to reason that the article’s purpose is to support the argument that predatory lending practices are at fault for the debt young adults experience. Macias uses personal experience immediately peppering in researched data to support his findings and conclusions on how the credit card industry wholeheartedly takes advantage of young America. His article captures the reader’s focus by appealing to pathos and tugging at pity in the reciting of how Macias was taken advantage of by credit lenders. Carlos Macias’s argument for the debt accrued by college aged adults being the fault of the credit card companies themselves roots itself in his rhetoric. From his skillful hooking of the audience with information garnered from personal experience to the utilization of logos throughout the paper presenting itself as careful and reliable research. He discusses how one of his favorite stores to shop in is the GAP and upon shopping there on one Spring Break the store clerk present had persuaded him into enrolling in a program that entailed opening a GapCard. Carlos Macias was persuaded into this program …show more content…

It is mentioned that many of these new adults are struggling to break away from their parents and live their own life, but the majority do not possess any assets or stable income. This is a tactic utilized to stir up the pathos of his argument which strengthens his overall cause and allows for a more personal tone of the paper in a whole. Carlos Macias’s strengthened pathos along with his clever use of logos and personal experience create a compelling argument for his case of regulating the way that lenders conduct business and bringing about laws that restrict the lenders by regarding and adhering to individual incomes as well as their past credit

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He further claims that paying off debt is a component of “establishing personal responsibility” (HofferNew). Furthermore, HofferNew uses the perception of personal responsibility as a way to show that paying off said debt could help build independence. He believes in the idea of having some relief for college students considering debts are at an all time high, but he claims the idea of having it pardoned does not help students build independence and prepare them. He further believes a solution in having debt forgiven is to ensure students are required to perform public service in exchange for debt to be paid off. Likewise, he argues that this will benefit students more than just having debt paid off, but to also show the students they are “connected to a system beyond self-interest” (HoffnerNew).

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