Many Americans have seen higher credit card balances in recent months due to the current elevated-rate environment, an uptick in spending and the increased costs of living. But if your credit card bills are piling up, it’s important to start looking for solutions now. After all, if your credit card rates are anywhere near today’s average — which is closing in on 23% — the interest charges are compounding quickly and that can make it increasingly difficult to dig your way out of debt. So, the…