Credit card debt forgiveness eligibility 2026: Credit card debt forgiveness in 2026 — who qualifies, how issuer relief programs work, credit score impact, and key risks borrowers should understand
Millions of Americans are entering 2026 under mounting financial pressure, with credit card balances at record levels and interest rates still hovering near multi-decade highs. According to Federal Reserve data, total U.S. credit card debt crossed $1.13 trillion in late 2025, while average APRs remained above 21%, making minimum payments increasingly unaffordable for many households.…

