During the Tuesday episode of Mad Money, host Jim Cramer discussed the major credit card networks as he noted that consumer spending remains resilient. He began by highlighting the broader economic data and noted that roughly 81% of Americans hold a credit card, averaging three to four cards per consumer, with cardholders using about 29% to 30% of their available balance. That’s the most used credit card. This is rather extraordinary how much they love it… Now, remember, unlike American Express, Visa and Mastercard have no credit exposure. The AI Bears: Why Apple’s Consumer Ecosystem Remains Unbreakable and Jim Cramer Defends His Dell Stance as Investors Complain About Missing Out.