The increased use of deferred payments without guidelines or regulations results in misuse by both lender and borrower. In the case of the lender, this is instanced in the sending of unsolicited credit cards without comprehensive checks and balances. Credit is misused by the borrower in overuse as when he makes purchases from innumerable locations, using the many different deferred payment methods available, and is encumbered by payments due to these easily accessible forms of credit such that he cannot live on his earnings.