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If it feels like your credit card balance is getting considerably larger, it’s not your imagination. It is. Credit card balances rose by $44 billion in the final quarter of 2025, according to a new report from the Federal Reserve Bank of New York. Balances now total $1.28 trillion, up 5.5% year over year, the report notes. With credit card APRs near 30% common now, it’s easy to see why balances are growing each…