Credit card balances are sticking around longer — and costing a lot more — in today's economic environment. Case in point? If you're carrying a revolving balance right now, it's likely accruing interest at a rate of 21% or higher, and as the interest charges compound and the balance grows, it gets harder for payments, even consistent ones, to make a meaningful dent in what's owed. And, when you add in the other hurdles borrowers are currently facing, like rapidly rising inflation and a tough

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