Folks have no credit left on their Cards!!! 

The Consumer Just Crashed: Credit Card Spending Unexpectedly Cratered In September
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"September marks the fifth consecutive month of spending deceleration..."
https://www.zerohedge.com/economics/consumer-just-crashed-credit-card-spending-unexpectedly-cratered-september 

 @6a018a2a True, for me,  for sure.