{"id":270262,"date":"2025-03-25T08:51:00","date_gmt":"2025-03-25T09:25:00","guid":{"rendered":"https:\/\/hispanicprwire.com\/english-debt-coms-2025-credit-card-survey-reveals-alarming-credit-card-debt-trends-as-inflation-continues-to-strain-american-wallets\/"},"modified":"2025-03-25T09:00:01","modified_gmt":"2025-03-25T13:00:01","slug":"la-encuesta-de-tarjetas-de-credito-2025-de-debt-com-revela-tendencias-alarmantes-de-la-deuda-de-tarjetas-de-credito-a-medida-que-la-inflacion-continua-afectando-a-las-billeteras-estadounidenses","status":"publish","type":"post","link":"https:\/\/hispanicprwire.com\/en\/la-encuesta-de-tarjetas-de-credito-2025-de-debt-com-revela-tendencias-alarmantes-de-la-deuda-de-tarjetas-de-credito-a-medida-que-la-inflacion-continua-afectando-a-las-billeteras-estadounidenses\/","title":{"rendered":"Debt.com&#8217;s 2025 Credit Card Survey Reveals Alarming Credit Card Debt Trends as Inflation Continues to Strain American Wallets"},"content":{"rendered":"<p><\/p>\n<style type=\"text\/css\"><![CDATA[\n\/* Style Definitions *\/\nspan.prnews_span\n{\nfont-size:8pt;\nfont-family:\"Arial\";\ncolor:black;\n}\na.prnews_a\n{\ncolor:blue;\n}\nli.prnews_li\n{\nfont-size:8pt;\nfont-family:\"Arial\";\ncolor:black;\n}\np.prnews_p\n{\nfont-size:0.62em;\nfont-family:\"Arial\";\ncolor:black;\nmargin:0in;\n}\n]]><\/style>\n<div class=\"xn-content\">\n<p><span class=\"legendSpanClass\"><span class=\"xn-location\">FT. LAUDERDALE, Fla.<\/span><\/span>, <span class=\"legendSpanClass\"><span class=\"xn-chron\">March 25, 2025<\/span><\/span> \/PRNewswire-HISPANIC PR WIRE\/ &#8212; As lawmakers propose new legislation to cap sky-high credit card interest rates, Debt.com&#8217;s latest <b><a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4390251-1&amp;h=2251503780&amp;u=https%3A%2F%2Fwww.debt.com%2Fresearch%2Fcredit-card-survey%2F&amp;a=Credit+Card+Survey\" target=\"_blank\" rel=\"nofollow\">Credit Card Survey<\/a><\/b> reveals just how deeply inflation has driven Americans into debt\u2014and how many are struggling to escape it.<\/p>\n<div id=\"prni_dvprnejpgd64cleft\" dir=\"ltr\" style=\"width: 100%; text-align: left;\"><img decoding=\"async\" id=\"prnejpgd64cleft\" title=\"For the second consecutive year, Debt.com's survey of 1,000 Americans shows that one in three need credit cards to make ends meet \u2013 and many are maxed out. U.S. credit card balances have ballooned since the worldwide inflation surge began in March 2021.Those who have already maxed out their cards are most vulnerable. Eight in ten \u201cwould need to rely on credit card(s) if faced with a financial emergency.\u201d Just over 23% of them already owe more than $20,000.\" src=\"https:\/\/mma.prnewswire.com\/media\/2648896\/DCOM_2025_Credit_Card_Survey_Website.jpg\" alt=\"For the second consecutive year, Debt.com's survey of 1,000 Americans shows that one in three need credit cards to make ends meet \u2013 and many are maxed out. U.S. credit card balances have ballooned since the worldwide inflation surge began in March 2021.Those who have already maxed out their cards are most vulnerable. Eight in ten \u201cwould need to rely on credit card(s) if faced with a financial emergency.\u201d Just over 23% of them already owe more than $20,000.\" align=\"middle\"\/><\/div>\n<p>For the second year in a row,\u00a0<b>1 in 3 Americans say they rely on credit cards to make ends meet<\/b>, with many already maxed out. The nationwide survey of 1,000 U.S. adults underscores how inflation and rising costs have turned credit cards from convenience tools into financial lifelines.<\/p>\n<p><b>&#8220;Inflation may be easing in headlines, but in households, the impact remains severe,&#8221;<\/b>\u00a0says <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4390251-1&amp;h=485500095&amp;u=https%3A%2F%2Fwww.debt.com%2Fauthor%2Fhdvorkin%2F&amp;a=Howard+Dvorkin%2C+CPA\" target=\"_blank\" rel=\"nofollow\"><span class=\"xn-person\">Howard Dvorkin<\/span>, CPA<\/a> and Chairman of Debt.com. <b>&#8220;Our survey shows people are still forced to lean on high-interest credit cards for daily survival\u2014and most haven&#8217;t explored solutions to get out.&#8221;<\/b><\/p>\n<p><b>Key Findings from Debt.com&#8217;s 2025 Credit Card Survey<\/b><\/p>\n<ul type=\"disc\">\n<li><b>32%<\/b>\u00a0of Americans have <b>maxed out their credit cards<\/b><\/li>\n<li><b>37%<\/b>\u00a0use credit cards regularly just to <b>make ends meet<\/b><\/li>\n<li><b>44%<\/b>\u00a0say inflation has caused them to <b>carry a larger monthly balance<\/b><\/li>\n<li>Of those maxed out, <b>80% would rely on credit cards<\/b> during a financial emergency, and <b>23% owe more than <span class=\"xn-money\">$20,000<\/span><\/b> in credit card debt<\/li>\n<\/ul>\n<p>This financial strain is reflected across generations, with <b>Millennials (42%) and Gen Xers (39%)<\/b> maxing out their cards at higher rates than Gen Z (32%) or Baby Boomers (14%). Notably, over <b>63% of all respondents <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4390251-1&amp;h=3268640711&amp;u=https%3A%2F%2Fwww.debt.com%2Fdebt-relief%2F&amp;a=carry+a+credit+card+balance\" target=\"_blank\" rel=\"nofollow\">carry a credit card balance<\/a><\/b>, and <b>more than 1 in 5 owe over <span class=\"xn-money\">$10,000<\/span><\/b>\u2014a stark indicator of the mounting debt crisis.<\/p>\n<p><b>Credit Card Interest Rates Under Fire<\/b><\/p>\n<p>Debt.com&#8217;s findings emerge as Senators <span class=\"xn-person\">Alexandria Ocasio-Cortez<\/span> (D-NY) and <span class=\"xn-person\">Anna Paulina Luna<\/span> (R-FL) introduce a bipartisan bill to cap credit card interest rates at 10%, a move aimed at helping working people in endless cycles of debt.<\/p>\n<p>&#8220;We are seeing interest rates above 24%, and 27% of survey respondents don&#8217;t even know their <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4390251-1&amp;h=2252731149&amp;u=https%3A%2F%2Fwww.debt.com%2Fwhat-is-apr%2F&amp;a=APR\" target=\"_blank\" rel=\"nofollow\">APR<\/a>,&#8221; says Dvorkin. &#8220;This lack of awareness paired with record-high balances is financially dangerous. The proposed cap could offer real relief to millions, but education and action are key.&#8221;<\/p>\n<p><b>Economic Backdrop: Consumer Sentiment Slips<\/b><\/p>\n<p>This news comes amid fresh data from the <b><span class=\"xn-org\">University of Michigan&#8217;s<\/span> Consumer Sentiment Index<\/b>, showing a dip in consumer confidence. Economic uncertainty, persistent inflation, and high borrowing costs have left many Americans cautious about spending\u2014and anxious about their financial futures.<\/p>\n<p><b>Awareness of Debt Solutions Remains Low<\/b><\/p>\n<p>Despite the growing burden, 57% of respondents have never considered <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4390251-1&amp;h=781769921&amp;u=https%3A%2F%2Fwww.debt.com%2Fdebt-relief%2F&amp;a=professional+or+DIY+debt+relief+options\" target=\"_blank\" rel=\"nofollow\">professional or DIY debt relief options<\/a>, such as credit counseling, balance transfers, or debt consolidation. This highlights a critical gap in financial education and underscores the importance of proactive outreach.<\/p>\n<p><b>Full Survey Data Available Upon Request<\/b><\/p>\n<p>Debt.com&#8217;s comprehensive report includes generational breakdowns, insights into how Americans are introduced to credit, and how financial emergencies drive credit card reliance.<\/p>\n<p><b>About Debt.com<\/b><br \/><a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4390251-1&amp;h=481161687&amp;u=http%3A%2F%2Fwww.debt.com%2F&amp;a=Debt.com\" target=\"_blank\" rel=\"nofollow\">Debt.com<\/a> is a leading provider of financial education and solutions, connecting consumers with expert resources for credit counseling, debt relief, and personal finance management. The company offers tools, guides, and referrals to help people overcome debt and achieve lasting financial stability.<\/p>\n<div id=\"prni_dvprnejpg9a11left\" dir=\"ltr\" style=\"width: 100%; text-align: left;\"><img decoding=\"async\" id=\"prnejpg9a11left\" title=\"Debt.com is the consumer website where people can find help with credit card debt, student loan debt, tax debt, credit repair, bankruptcy, and more. Debt.com works with vetted and certified providers that give the best advice and solutions for consumers \u2018when life happens.\u2019\" src=\"https:\/\/mma.prnewswire.com\/media\/1576979\/Debt_com_Logo.jpg\" alt=\"Debt.com is the consumer website where people can find help with credit card debt, student loan debt, tax debt, credit repair, bankruptcy, and more. Debt.com works with vetted and certified providers that give the best advice and solutions for consumers \u2018when life happens.\u2019\" align=\"middle\"\/><\/div>\n<p>Photo &#8211; <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4390251-1&amp;h=4036442458&amp;u=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F2648896%2FDCOM_2025_Credit_Card_Survey_Website.jpg&amp;a=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F2648896%2FDCOM_2025_Credit_Card_Survey_Website.jpg\" target=\"_blank\" rel=\"nofollow\">https:\/\/mma.prnewswire.com\/media\/2648896\/DCOM_2025_Credit_Card_Survey_Website.jpg<\/a><br \/>Logo &#8211; <a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4390251-1&amp;h=3983272867&amp;u=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F1576979%2FDebt_com_Logo.jpg&amp;a=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F1576979%2FDebt_com_Logo.jpg\" target=\"_blank\" rel=\"nofollow\">https:\/\/mma.prnewswire.com\/media\/1576979\/Debt_com_Logo.jpg<\/a><\/p>\n<div id=\"sbIframeContainer\" style=\"width:100%; height:500px; padding:0\"><iframe src=\"https:\/\/social.prnewswire.com\/campaign\/A85DC16D-B3D0-4E4C-9518-B0AA51EC68BD?wp=true\" allow=\"web-share\" frameborder=\"0\" scrolling=\"no\" style=\"width:125.0%; height:125.0%; -ms-zoom:0.80; -moz-transform: scale(0.80); -moz-transform-origin: 0 0; -o-transform: scale(0.80); -o-transform-origin: 0 0; -webkit-transform: scale(0.80); -webkit-transform-origin: 0 0;\"\/><\/div>\n<p>SOURCE  Debt.com<\/p>\n<\/div>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<div class=\"xn-content\">\n<p><span class=\"legendSpanClass\"><span class=\"xn-location\">FT. LAUDERDALE, Fla.<\/span><\/span>, <span class=\"legendSpanClass\"><span class=\"xn-chron\">March 25, 2025<\/span><\/span> \/PRNewswire-HISPANIC PR WIRE\/ &#8212; As lawmakers propose new legislation to cap sky-high credit card interest rates, Debt.com&#8217;s latest <b><a href=\"https:\/\/c212.net\/c\/link\/?t=0&amp;l=en&amp;o=4390251-1&amp;h=2251503780&amp;u=https%3A%2F%2Fwww.debt.com%2Fresearch%2Fcredit-card-survey%2F&amp;a=Credit+Card+Survey\" target=\"_blank\" rel=\"nofollow noopener\">Credit Card Survey<\/a><\/b> reveals just how deeply&#8230;<\/p>\n","protected":false},"author":1,"featured_media":270263,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-270262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-negocios-y-finanzas"],"acf":[],"_links":{"self":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts\/270262","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/comments?post=270262"}],"version-history":[{"count":"1","href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts\/270262\/revisions"}],"predecessor-version":[{"id":270269,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts\/270262\/revisions\/270269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/media\/270263"}],"wp:attachment":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/media?parent=270262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/categories?post=270262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/tags?post=270262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}