Debt pressures have been building rapidly over the last few years amid a landscape dotted by high borrowing rates , inflationary pressures and other hurdles, and those challenges have continued to accelerate over the last year, in particular. Case in point? Borrowers closed out 2025 with a record-high amount of household debt , with credit card balances accounting for a hefty portion of it. In turn, payment delinquency rates are climbing, and credit card interest rates — while lower than their

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