If you’re drowning in credit card debt right now, you’re certainly not alone. The total amount of credit card debt has been climbing nationwide, and millions of Americans are now struggling to get rid of what they owe. Adding to the issue is the fact that credit card rates are inching toward record highs, so cardholders who are carrying a balance are now paying heftier interest charges on what they owe.
But while credit card debt can be difficult to tackle, it’s…