Americans are currently carrying about $1.28 trillion in collective credit card debt , which is both the latest record high and an amount that likely would have seemed unfathomable just a decade ago. But growing credit card debt is hardly the only issue borrowers are facing right now. At an average of over 21%, today's  credit card rates are punishing , meaning that the repayment process continually gets more difficult for borrowers as the interest compounds. Add in today's inflationary issues

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