Certainly, one of the most apparent changes in China from my last visit in 1987 is the western style of clothing, which has been completely adopted by the Chinese. It is not unlike a typical walk thru Chinatown in San Francisco. Who said advertising doesn’t work?

Yet, this is one of those discussions where business bleeds into ethics quickly. If advertising works for clothing, why should we assume it does not work for credit card companies? Anybody is savvy enough to buy clothes, but is everybody savvy enough to manage credit, when advertisers constantly encourage us to use it?

Oh, yeah . . . it is the consumer’s choice, I forgot. But, it’s odd that I haven’t seen a single advertisement for Master Card or Visa since I got here . . .