Retirement is supposed to mark a shift into a more predictable, less stressful financial chapter of life, one where income is steady, expenses are manageable and long-term worries take a back seat to day-to-day living. But for many retirees, rising costs and lingering balances have made credit card debt a common and frustrating part of the picture. Between higher medical expenses , inflation and fixed incomes that don't stretch as far as they once did, some older Americans find themselves

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