50% of Americans Couldn't Come Up with $2000

[Happy Monkey]

I have a credit card that I never use, and they haven't canceled it yet. Just because some companies do it doesn't mean that tw's statements are false.

Especially if you look at the wording:

First, one has a credit card, does not use it, and therefore has no monthly payments.

That's me.

A credit card that you have and do not use can cost nothing.

Note the can. Also me.

Anybody can afford a credit card by not using it.

Note the afford. I've got a card that I don't use, and costs me nothing, so obviously anyone could afford that (unless they're shopaholics who can't afford to have a credit card available or they'll max it out). You could read more between the lines of tw's post, and argue that it would be hard for some people to get the card in the first place, but that's not a direct contradiction of anything tw said.

As long as there are still cards that aren't canceled through inactivity, tw's statements are true.