In this second edition, Bishop Paul Peter Jesep, documents that credit card usury is legal, widespread, and perceived as a legitimate form of commerce. Yet it causes despair, hopelessness, physical pain, emotional torment, and financial servitude. Long-term consequences due to a poor credit score include difficulty finding employment, higher car insurance, the inability to secure safe and affordable housing, and in some cases ineligibility for needed educational loans. At a time when greed is at an all time high Christian leaders have consistently failed to use their pulpits to speak out against credit bureaus, collection agencies, and credit card companies. Christians have long advocated for social and economic justice, but have overlooked the serious injuries this sector of the economy causes.