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I've seen "Maxed Out" as well, and I generally agree with NoSoup. While I do think that some practices of the credit card industry take advantage of the financially ignorant for maximum profit, the thing that was never discussed was personal responsibility. While I sympathize with the parents of the teenagers who committed suicide as it's a very sad story, did the parents ever teach their kids about credit cards and personal finance? If they had, there's no way they would have found themselves in that kind of situation.
If this population of this country had better financial literacy, I strongly believe that we wouldn't be in such dire straits with our economy right now.
As for the discussion about the credit rating of your significant other, it matters. Finances are a big reason why married couples divorce, no? Scores matter when you get a car loan or a mortgage, and the couple want to own the property jointly, right? I suppose the partner with the better credit score could apply for the loans individually, but that'd probably get awkward if the couple divorced...
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