Amid the economic uncertainty caused by the pandemic, Americans are facing unprecedented financial stress. Those who had no savings before the pandemic have been hit particularly hard, with inflation, rising interest rates, and the end of pandemic-related aid leading to historic credit card debt. In the third quarter of 2023, Americans accumulated over $1.05 trillion on their credit cards, with an average interest rate of around 21.5 percent – the highest since the Federal Reserve began monitoring credit card rates in 1994. To make matters worse, current credit card delinquencies far exceed 2019 levels, according to a recent report from Moody’s.
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