credit card debt solutions

what are the (1)problem (2)cause (3)solution of eliminating credit card debt?
for a persuasive speech, i need to persuade my audience to eliminate their credit card debt, i need:
1. describe why credit card debt is such a huge problem
2. the cause of why people have so many credit card debt
3. solution of eliminating credit card debt
please give me some ideas and where i should go to research this
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