Numerous economic issues, from inflation driving up costs on groceries, housing and other essentials to elevated borrowing costs, have left many people with no choice but to lean heavily on credit cards to fill in the budgetary gaps over the past few years. That alone is an issue, but what's compounding the problem is that interest rates on these short-term borrowing products remain elevated at over 21% on average. And, many cardholders carry much higher rates, so any balance that stretches

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