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Credit card debt has gotten out of hand lately, and that’s not to mention how expensive it’s become. The total credit card debt in the U.S. is now sitting at $1.23 trillion, reflecting an increase of $24 billion compared to the third quarter of 2025 alone. And, the average interest rate on those credit cards? That sits at over 21%, nearly double the rate seen five years ago. So, it doesn’t take…