Interview individuals who represent the three stages of the financial life cycle about their credit card usage. How many cards do they have? What kind or class of cards (rebate, premium, affinity, T&E, or single purpose) do they have? How often do they use their cards and typically for what purchases? What is their available line of credit? Classify them as convenience users, credit users, or convenience and credit users. Summarize your findings in an oral or written report, noting differences in credit card use across the financial life cycle. Be sure to protect the identity of the recipients, and insure them that all responses are confidential.