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With the holiday season underway, millions of Americans are grappling with an unprecedented level of credit card debt, which has surged beyond $1.17 trillion nationwide. This staggering figure isn’t just a number — it represents countless families struggling under the weight of high-rate debt, with the average cardholder owing approximately $8,000 on their credit cards before even starting their holiday shopping. And with average credit card interest rates sitting above 23%, many…
