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Credit card debt has risen to record levels, in spite of income remaining static.

The average household now owes about £2,500 on cards, up 10.5 per cent in 12 months and the highest growth in 11 years.

Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit.

Not everyone who applies for credit gets it or gets the same terms: Factors like income, expenses, debts, and credit history are among the considerations lenders use to determine your creditworthiness.

My generation, the baby boomers, are largely unaffected.

We’ve paid for our homes and have years of experience at balancing budgets.

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A good credit history — a record of your bill payments — often is necessary to get credit.He changed into his swimming trunks, she put on a skimpy bathing suit, and then, by the side of his pool, she rubbed sunscreen into the folds of his sagging back -- bracing herself to endure an afternoon of sex with someone she suspected was actually about 30 years her senior.Taylor doubted that her client could relate to someone who had grown up black and poor in the South Bronx. A month prior, faced with about ,000 in unpaid tuition and overdue bills, Taylor and her roommate typed "tuition," "debt," and "money for school" into Google. Intrigued by the promise of what the site billed as a "college tuition sugar daddy," Taylor created a "sugar baby" profile and eventually connected with the man from Greenwich.We could be heading for another recession as prices for food and essentials continue to rise.Credit card companies are exploiting consumers by offering initial long periods of free interest, followed by cripplingly high rates after the bonus period.

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These are among the key findings of a national survey of dating and relationships in the digital era, the first dedicated study of this subject by the Pew Research Center’s Internet Project since 2005.

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