The holidays can be a wallet-busting time of year for many Americans. In fact, in 2024 alone, U.S. shoppers spent over $955 billion during the holiday season, the most ever recorded, according to the National Retail Federation. Much of that spend likely went on credit cards . And when you throw in inflation and the higher prices consumers have faced in recent years, credit card balances have gotten out of hand for many. In total, Americans now have more than $1.21 trillion in outstanding credit

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