Alarming global trends in consumer debt have remained a subject of interest for many decades. Despite literature being replete with studies on the subject, the role that information intermediaries play in influencing financial rationality of consumer credit decisions has remained unexplored. This article presents a perspective that is being proposed for the first time. It is proposed that the rationality of consumer credit decision in an economy is determined by the combined effect of a most commonly used primary financial information intermediary and the propensity for consumers to rely on the advice of a primary financial information intermediary. This perspective of analyzing consumer debt acquisition is instrumental to policymakers, consumer lobbyists, and marketers.