Credit card debt has become a major issue for borrowers in today's economic landscape. Not only are Americans carrying over $1.21 trillion in credit card debt currently, but credit card interest rates are stuck above 22% for the average cardholder. And, as the other economic pressures, like inflation and job market stress, continue and delinquency rates climb, more borrowers are finding themselves unable to keep up with the minimum payments they owe, let alone make a dent in their principal

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