Americans are going into debt just to relax. Vacation debt is quietly becoming the newest financial crisis, with families putting flights, hotels, cruises, and even theme park tickets on credit cards at record levels. Buy now, pay later plans, travel loans, and 25% APR credit cards are turning memories into monthly payments.

In this video, we break down how vacation debt is skyrocketing in 2026, why so many Americans feel pressure to “live their best life” even if they can’t afford it, and how banks, airlines, and travel companies profit from your impulse to escape. We’ll look at rising credit card balances, buy now pay later travel financing, and what this trend says about the state of the economy.

1. Why are Americans willing to finance a vacation but not build an emergency fund?
2. Has social media pressure made going into debt for travel feel normal?
3. What happens when the trip is over but the payments are just beginning?

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#vacationdebt #creditcarddebt #traveldebt #2026economy

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A report from the Philadelphia Federal Reserve also shows a record-high number of Americans are only paying the minimum monthly payment on their credit card bills, peaking at nearly 11% of all accounts in the third quarter of 2024. Ted Rossman, senior industry analyst at Bankrate, joined CBS News to discuss the issue.

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Credit card defaults in the U.S. have hit their highest level since 2010, with delinquencies rising 50% in 2024. With $170 billion in interest paid over the past year and increasing financial strain on lower-income households, this episode explores the economic impact and upcoming challenges.
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Americans have racked up record levels of credit card debt, which is up 8 percent from a year ago. Many borrowers have fallen behind in paying their payments. NBC News’ Christine Romans reports.

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More than 100 million Americans have an auto loan and auto loan debt in the U.S. is at a record high of $1.56 trillion. Between the Covid-19 pandemic, supply chain issues, alleged predatory lending practices, inflation, and the Federal Reserve’s interest rate hikes, getting an auto loan is getting increasingly difficult and costly. CNBC spoke with Chase Auto and Toyota Financial Services to learn what’s happening in the auto loan industry and what consumers can do to make sure they’re protected.

Chapters:
00:00 — Introduction
01:51 — How auto loans work
05:49 — Market changes
08:19 — Alleged predatory lending
13:19 — Consumer protection

Produced and Edited by: Emily Lorsch
Animation: Alex Wood, Jason Reginato
Senior Managing Producer: Tala Hadavi

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Why Americans Are Falling Behind On Car Loans

Inflation continues to have a big impact on Americans’ budgets with many falling behind on their car loans and credit cards. NBC News’ Tom Costello has more details on the debt impacting wallets across the country.

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Americans are racking up all-time high levels of credit card debt. Ted Rossman, senior industry analyst for CreditCards.com, has tips if you’re struggling with high balances.

#news #creditcard #debt

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