A concerning mix of record-high debt levels , elevated credit card interest rates, rising inflation and a tough jobs market is putting quite a bit of financial pressure on borrowers in the current economic landscape. And credit card balances are particularly troubling right now, with total credit card debt nationwide at over $1.23 trillion as interest charges rack up at an average of over 21% . That rapidly compounding issue is causing more borrowers to fall seriously behind on payments ,

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