How would you define this market segment?

According to the U.S. Federal Research U.S. credit card debt per household was $8,475, making credit card debt a large portion of all consumer debt.

The use of credit cards varies extensively. For some, a credit card is a convenient substitute for cash, while others like to “buy now”—even it they can’t afford it.

Imagine you have been hired as a consumer behavior consultant for JP Morgan Chase, one of the country’s largest issuers of consumer credit card products. The company has decided one of the highest growth potential market segments for their credit card products is a “young influentials”

segment.