gulfimages 
If you’re starting to doubt your ability to effectively pay down your credit card debt, you’re not alone. According to a recent report, credit card balances totaled $1.18 trillion in the first quarter of 2025. While that’s actually a decline from the final quarter of 2024, it represents a 6% rise from the same period last year. Combined with credit card interest rates just under a record high 23% and
