Americans who had no savings before the pandemic are now facing financial stress as inflation, rising interest rates, and the end of pandemic-related aid have led 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. A recent report from credit rating company Moody’s revealed that current credit card delinquencies far exceed 2019 levels.
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