As rising inflation continues to drive up costs and strain household budgets, many borrowers are finding it harder to keep up with their debt payments, particularly when it comes to their high-rate credit card debt. A major part of the issue right now is that credit card rates are elevated, averaging about 22%, which is causing interest charges to rack up quickly for those carrying revolving balances. Add in the rising costs of everyday essentials and there's a lot less room for borrowers to

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