{"id":26771,"date":"2025-05-19T20:59:17","date_gmt":"2025-05-19T20:59:17","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/3-critical-credit-card-debt-considerations-borrowers-should-make-now\/"},"modified":"2025-05-19T20:59:17","modified_gmt":"2025-05-19T20:59:17","slug":"3-critical-credit-card-debt-considerations-borrowers-should-make-now","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/3-critical-credit-card-debt-considerations-borrowers-should-make-now\/","title":{"rendered":"3 critical credit card debt considerations borrowers should make now"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/19\/a0f2e3b8-1dc5-45da-b450-ff6c65ad733c\/thumbnail\/620x413\/42d2759542a56ba2b9f630a85afe6a85\/gettyimages-2214814996.jpg?v=f20aa8902dce18e45d5824503b07db36#\" alt=\"gettyimages-2214814996.jpg \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets2.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/19\/a0f2e3b8-1dc5-45da-b450-ff6c65ad733c\/thumbnail\/620x413\/42d2759542a56ba2b9f630a85afe6a85\/gettyimages-2214814996.jpg?v=f20aa8902dce18e45d5824503b07db36 1x, https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/05\/19\/a0f2e3b8-1dc5-45da-b450-ff6c65ad733c\/thumbnail\/1240x826\/a4addfb0c82886aea912fa64e2419940\/gettyimages-2214814996.jpg?v=f20aa8902dce18e45d5824503b07db36 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">The path toward credit card debt relief may involve acknowledging some unfortunate realities in today&#8217;s economic climate.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Milan Jovic 2\/Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>News last week that <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/credit-card-balances-are-falling-heres-how-to-reduce-yours-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">credit card balances are falling<\/a><\/span> was welcomed by American borrowers, but it may have masked what still appears to be a credible issue: millions of Americans are still struggling to pay off all that they&#8217;ve accumulated. Credit card balances in the first quarter of 2025 were at a combined $1.18 trillion, and while that&#8217;s a decline from the final quarter of 2024, it still represents a 6% increase compared to the same time period last year. Add in the fact that the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/heres-how-much-credit-card-debt-the-average-american-has-and-how-to-pay-it-off\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">average credit card debt<\/a><\/span> balance is close to $8,000 right now and that <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/credit-card-interest-rates-surging-how-to-lower-yours-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">credit card interest rates<\/a><\/span> are only marginally down from a recent record 23% and it becomes even clearer that the path toward financial freedom is still a ways off for many.<\/p>\n<p>That all noted, there may be some credit card users with a large debt load, or with a card with an interest rate above that average, who are considering staying on their current path anyway. With a variety of debt relief options that can be personalized to your needs, this could be a mistake. However, it helps to know what to consider to better inform your next steps toward a final credit card debt payoff solution. Below, we&#8217;ll break down three critical credit card debt considerations borrowers should make now.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/a68c45e313e3?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcredit-card-debt-considerations-borrowers-should-make-now\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Start by checking your credit card debt forgiveness eligibility here<\/a>.<\/p>\n<h2><strong>3 critical credit card debt considerations borrowers should make now<\/strong><\/h2>\n<p>Here are three items credit card users should be thinking about right now:<\/p>\n<h3><strong>Consideration: Credit card interest rates will remain high<\/strong><\/h3>\n<p><span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-credit-card-rates-are-so-high-now-what-to-do-about-it\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">Credit card interest rates are driven by a variety of factors<\/a><\/span>, from the federal funds rate to the prime rate and more. But the reality is that credit card interest rates are unlikely to decline materially at any time soon. For context, credit card interest rates hit a record high last fall, directly in the middle of the Federal Reserve&#8217;s interest rate cut campaign. And rates there have been paused so far in 2025.\u00a0<\/p>\n<p>Even when a cut is issued, though, as many expect at some point later this year, it&#8217;s likely to be by just 25 basis points, which will have a minor impact on credit card rates, if it does at all. Understanding <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/why-borrowers-shouldnt-wait-for-rate-cuts-to-fix-their-debt\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">this unfortunate reality<\/a><\/span>, then, credit card users may be better served by exploring ways to get out of debt that won&#8217;t require major economic changes to help reduce what they currently owe.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/a68c45e313e3?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcredit-card-debt-considerations-borrowers-should-make-now\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Explore your top debt relief options here<\/a>.<\/p>\n<h3><strong>Consideration: Your debt is compounding<\/strong><\/h3>\n<p>Another reason why you should tackle your credit card debt sooner rather than later: it&#8217;s compounding. Your <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/how-are-credit-card-interest-charges-compounded\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">credit card interest compounds daily<\/a><\/span>, making even the most innocuous initial debt quickly difficult to pay if accumulated on a high-rate credit card. It won&#8217;t happen overnight (often past the grace period of 21 to 25 days), but it will build up over time, and it&#8217;ll be to a significant degree if you have anything close to that 23% interest rate. Even above-minimum payments may not be sufficient in these circumstances, leaving you with little recourse besides turning to a debt relief servicer.<\/p>\n<h3><strong>Consideration: There&#8217;s probably a debt relief service that fits your circumstances<\/strong><\/h3>\n<p>There is a wide variety of <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/important-debt-relief-options-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">important debt relief options<\/a><\/span> worth exploring and likely one that fits your specific circumstances. Ranging from <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/debt-consolidation-loans\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">debt consolidation loans<\/a><\/span> to <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-a-debt-management-program\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">debt management programs<\/a><\/span> to <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-credit-counseling-can-and-cant-do-to-help-with-your-debt\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">credit counseling<\/a><\/span>, a debt relief service can evaluate your debt situation to determine which is most appropriate for you. In extreme cases, they may even work with you to come up with the appropriate <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/will-filing-for-bankruptcy-clear-my-credit-card-debt\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">bankruptcy<\/a><\/span> solution.\u00a0<\/p>\n<p>On the other hand, depending on <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/who-qualifies-for-credit-card-debt-forgiveness\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">your qualifications<\/a><\/span>, you may be eligible to have 30% to 50% of your credit card eliminated with the help of a <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/what-is-credit-card-debt-forgiveness\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">credit card debt forgiveness program<\/a><\/span> (also known as debt settlement). You won&#8217;t know which is optimal for your situation, however, until you start doing your research and speaking to professionals. Consider making the move now.<\/p>\n<p><a href=\"https:\/\/secure.money.com\/pr\/a68c45e313e3?s1=https%3A%2F%2Fwww.cbsnews.com%2Fnews%2Fcredit-card-debt-considerations-borrowers-should-make-now\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Get started with debt relief now<\/a>.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>The unfortunate but sobering reality is that many American credit card users have debt that won&#8217;t be reduced by any minor changes in the interest rate climate. It&#8217;s likely to compound with interest if action isn&#8217;t taken promptly. But with the right debt relief strategy and a new and consistent approach, the path to financial freedom is achievable, and it can begin now, even in today&#8217;s uncertain economic climate.<\/p>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/matt-richardson\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Matt  Richardson<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/credit-card-debt-considerations-borrowers-should-make-now\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The path toward credit card debt relief may involve acknowledging some unfortunate realities in today&#8217;s economic climate. Milan Jovic 2\/Getty<\/p>\n","protected":false},"author":1,"featured_media":26772,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-26771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 critical credit card debt considerations borrowers should make now - World News<\/title>\n<meta name=\"description\" content=\"With interest rates high and the prospects of relief low, here are three considerations borrowers should make now.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/site.itshrt.com\/worldnews\/3-critical-credit-card-debt-considerations-borrowers-should-make-now\/\" 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path toward credit card debt relief may involve acknowledging some unfortunate realities in today&#8217;s economic climate. 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