Step 1 :Determine whether the events E and F are independent or dependent.
Step 2 :Event E is a person going into debt and event F is the same person having a credit card.
Step 3 :Consider whether having a credit card (event F) can affect the probability of a person going into debt (event E).
Step 4 :If a person has a credit card, they might be more likely to go into debt due to the ease of spending money that they do not currently have.
Step 5 :Conversely, if a person does not have a credit card, they might be less likely to go into debt because they can only spend money that they currently possess.
Step 6 :Therefore, it seems that the events E and F are dependent.
Step 7 :\(\boxed{\text{Final Answer: C. E and F are dependent because having a credit card can affect the probability of a person going into debt.}}\)