In the U.S., credit card companies make offers to people fresh out of bankruptcy. They do this because they know that those targeted people cannot file for Chapter 7 bankruptcy again for eight years. If someone fails to pay back what they owe the credit card company, the company can sue to collect the debt.

In small groups, discuss whether you think this practice is ethical. Why or why not? What reasons exist for not offering new credit to people who have just gone through bankruptcy?

Why might such people need new credit cards?