Banks target vulnerable credit card holders in debt and offer them limit increases before Christmas and when they have just made a big purchase according to a new report by the Department of Justice for Consumer Affairs Victoria. Card issuers lure customers by highlighting the minimum monthly repayments, usually five per cent of the outstanding balance. The research says a credit card debt of $2,000 at 18.5 per cent will take seven years to repay with total interest accruing of $820. A major source of credit card debt and debt stress are unsolicited credit card offers received in consumer's mail box from banks and other lenders. These offers, typically worth about $3,000, are often aimed at card holders who have not been able to repay their card debt in full.