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In 2025, credit card debt has hit record highs, leaving millions of Americans struggling to keep up. With inflation still squeezing household budgets and interest rates hovering near 23%, people are turning to credit cards just to cover basic expenses. Groceries, gas, and rent are being charged more often than paid in cash, and balances are growing faster than people can pay them off. What used to be a tool for convenience has turned into a lifeline — and for many, a financial trap that keeps tightening every month.
The pressure is overwhelming. Minimum payments barely make a dent, and late fees only push people deeper into debt. Younger adults are getting hit especially hard, carrying thousands of dollars in balances before they’ve even built real savings. Many are watching their credit scores fall and their stress rise as they struggle to stay afloat. In 2025, credit card debt isn’t just about overspending — it’s about survival in an economy where everything costs more and paychecks simply don’t go far enough.
Taking vacations when you're broke is beyond wild. I don't feel sorry for these people whatsoever.
Not only is the amounts horrifying, but the amount of clearly wrong information from the TikTok videos is ridiculous
'"We" are in debt, so let me tell you "My" story…. Pass,.
Got my credit card in my file cabinet with my mtg cards. Its somewhere in the blue and red section.
This is stupidity and a childlike mindset of wants vs needs
22:22 HOLD UP!!! Girl says she’s “completely debt free” but listen! She goes on to mention student loans??!!?! BEWARE PEOPLE! This girl is probably telling men she’s debt-free, thinks she’s so smart…?
2:03 Splurge on a 9v fire alarm battery. ????
What worked for me: Balance transfer to lower rates every chance you get, stop spending and make a good payment PLUS the interest. Didn’t take too long. It became a game and obsession. Sell stuff. Got an extra $20? Make a $20 payment. Did the same with my car. ???? EDIT: Put a plan together in a spreadsheet, color code as you make payments. Very satisfying!
Definitely pay off your debt with the highest interest first. Don’t listen to that ladies horrible advice. Institutional debt and buying power are things you can concern yourself with when you’re not burning $500-$1,000 a month in interest.
Cause mostly these donkeys ???? buy ???? they don't need 2 impress people they don't know with money they don't have. Simple .
A lot of these women pay for vacations they can’t afford on credit cards
80k on credit cards is terrifying
The smoke alarm chirp is hilarious ???? ????????