{"id":15,"date":"2026-09-14T17:00:00","date_gmt":"2026-09-14T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/wealthsmartadvisory-com\/2026\/09\/14\/americans-near-record-credit-card-debt\/"},"modified":"2026-09-14T17:00:00","modified_gmt":"2026-09-14T17:00:00","slug":"americans-near-record-credit-card-debt","status":"publish","type":"post","link":"https:\/\/www.wealthsmartadvisory.com\/blog\/2026\/09\/14\/americans-near-record-credit-card-debt\/","title":{"rendered":"Americans Near Record Credit Card Debt"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/heinrich-edimo\/americans-near-record-credit-card-debt-strategies-to-lower-your-balance-remotion-videos-5f78\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Americans were carrying near-record credit card balances, while elevated grocery and gasoline costs made it harder for households to make progress on monthly balances.<br \/>\nAbout 175M US consumers had credit cards, and ~60% carried revolving debt instead of paying in full, leaving many exposed to historically high interest costs.<br \/>\nSerious delinquencies were rising, but a Fed bank cautioned that reporting changes kept more charged-off accounts on credit reports, making overall measures look worse.<br \/>\nA recent analysis found ~84% of cardholders who asked for a lower rate got one, suggesting a direct, polite, persistent request can pay off.<br \/>\nPay as much as possible toward the smallest balance, keep minimum payments on others, then roll that freed-up payment into the next card.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Americans were carrying near-record credit card balances, while elevated grocery and gasoline costs made it harder for households to make progress on monthly balances. About 175M US consumers had credit cards, and ~60% carried revolving debt instead of paying in full, leaving many exposed to historically high interest costs. Serious delinquencies were rising, but a [&hellip;]<\/p>\n","protected":false},"author":433,"featured_media":41,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/15","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/users\/433"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/comments?post=15"}],"version-history":[{"count":0,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/posts\/15\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media\/41"}],"wp:attachment":[{"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/media?parent=15"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/categories?post=15"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wealthsmartadvisory.com\/blog\/wp-json\/wp\/v2\/tags?post=15"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}