Read the passage. Young adults in this country are in a credit crisis. It is too easy for them to get credit cards, and companies make having a card look like fun. Students sign up for credit cards to get free T-shirts. Instead, the credit card companies should be focusing on the responsibilities that come with having credit and the problems that can occur when the bill is not paid on time. What is a cause of the credit crisis?

Answer: According to the passage, a cause of the credit crisis is the fact that "it is too easy for them [young adults] to get credit cards and companies make having a card look like fun".

Explanation: The passage provided presents a cause and an effect of owning credit cards. The cause of having young adults in a credit crisis is presented in the second sentence: "It is too easy for them to get credit cards, and companies make having a card look like fun". Moreover, once the cause of the credit crisis has been identified, the author refers to a solution for this problem, which is included in the last sentence.