For millions of Americans, it's becoming increasingly difficult to find the balance between borrowing money and repaying what's owed. That isn't stopping borrowers from racking up more credit card debt, though. With sticky inflation stretching household budgets , many cardholders have found themselves relying on this type of high-rate, short-term borrowing to cover their basic needs. And, the numbers paint a sobering picture. Credit card balances topped $1.23 trillion in the third quarter of

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