As the pandemic continues to impact the economy, financial stress is becoming increasingly common for Americans who had no savings before it hit. Inflation, rising interest rates, and the end of pandemic-related aid have all contributed to historic credit card debt. According to experts, Americans accumulated over $1.05 trillion on their credit cards in the third quarter of 2023, with an average interest rate of around 21.5 percent, the highest since the Federal Reserve began monitoring credit card rates in 1994. Additionally, a recent report from credit rating company Moody’s revealed that current credit card delinquencies far exceed 2019 levels.
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