{"id":278427,"date":"2026-10-28T06:00:00","date_gmt":"2026-10-28T10:00:00","guid":{"rendered":"https:\/\/hispanicprwire.com\/english-new-debt-com-survey-uncovers-americas-silent-crisis-78-carry-financial-regret-driven-by-surging-credit-card-balances-and-constant-anxiety\/"},"modified":"2026-10-28T06:00:00","modified_gmt":"2026-10-28T10:00:00","slug":"english-new-debt-com-survey-uncovers-americas-silent-crisis-78-carry-financial-regret-driven-by-surging-credit-card-balances-and-constant-anxiety","status":"publish","type":"post","link":"https:\/\/hispanicprwire.com\/en\/english-new-debt-com-survey-uncovers-americas-silent-crisis-78-carry-financial-regret-driven-by-surging-credit-card-balances-and-constant-anxiety\/","title":{"rendered":"New Debt.com Survey Uncovers America&#8217;s Silent Crisis: 78% Carry Financial Regret, Driven by Surging Credit Card Balances and Constant Anxiety"},"content":{"rendered":"<p><\/p>\n<div class=\"xn-newslines\">\n<h1 class=\"xn-hedline\">New Debt.com Survey Uncovers America&#8217;s Silent Crisis: 78% Carry Financial Regret, Driven by Surging Credit Card Balances and Constant Anxiety<\/h1>\n<p class=\"xn-distributor\">PR Newswire<\/p>\n<p class=\"xn-dateline\">FORT LAUDERDALE, Fla., Oct. 28, 2026<\/p>\n<\/p><\/div>\n<div class=\"xn-content\">\n<p><i>Latest national data reveals a sharp jump in multi-card reliance, widespread retirement fears, and an unexpected generational shift in financial anxiety.<\/i><\/p>\n<p><span class=\"legendSpanClass\">FORT LAUDERDALE, Fla.<\/span>, <span class=\"legendSpanClass\">Oct. 28, 2026<\/span> \/PRNewswire-HISPANIC PR WIRE\/ &#8212; Financial regret is officially a national epidemic. According to a comprehensive <a href=\"https:\/\/edge.prnewswire.com\/c\/link\/?t=0&amp;l=en&amp;o=4808179-1&amp;h=2773189509&amp;u=https%3A%2F%2Fwww.debt.com%2Fresearch%2Ffinancial-regret-survey%2F&amp;a=new+survey\" target=\"_blank\" rel=\"nofollow\">new survey<\/a> by Debt.com, nearly <b>8 in 10 Americans (78%)<\/b> carry at least one major financial regret\u2014and for a growing number of consumers, that burden is never far from their thoughts.<\/p>\n<div class=\"PRN_ImbeddedAssetReference\" id=\"DivAssetPlaceHolder1\">\n<p title=\"What do Americans wish they\u2019d done differently with their money? Debt.com\u2019s 2026 Financial Regret Survey finds nearly 8 in 10 U.S. adults have at least one financial regret\u2014with retirement savings, credit card spending and emergency funds topping the list.&#13;&#10;Howard Dvorkin, CPA, and chairman of Debt.com, breaks down the findings and explains how people are relying on credit cards to absorb rising costs. \"><iframe loading=\"lazy\" id=\"videoMedia_1\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/c182k_eAmlU\" frameborder=\"0\"\/><\/p>\n<\/p><\/div>\n<p>While everyday cost-of-living pressures dominate headlines, the survey&#8217;s most shocking revelations expose how Americans are increasingly leaning on high-interest plastic to survive, while others face their golden years completely unprepared.<\/p>\n<p>Key findings from the Debt.com Financial Regret Survey include:<\/p>\n<ul type=\"disc\">\n<li><b>The Plastic Trap is Expanding:<\/b>\u00a0For the second consecutive year, charging too much on <a href=\"https:\/\/edge.prnewswire.com\/c\/link\/?t=0&amp;l=en&amp;o=4808179-1&amp;h=395559387&amp;u=https%3A%2F%2Fwww.debt.com%2Fdebt-relief%2F&amp;a=credit+cards\" target=\"_blank\" rel=\"nofollow\">credit cards<\/a>\u00a0is America&#8217;s #1 financial regret, climbing to <b>24%<\/b>\u00a0(up from 21%).<\/li>\n<li><b>The Multi-Card Epidemic:<\/b>\u00a0The crisis is deeply linked to card proliferation. The share of regretful consumers carrying <b>six or more credit cards<\/b>\u00a0has surged to <b>16%<\/b>, a dramatic jump from just 10% in initial benchmarks.<\/li>\n<li><b>Debt That Never Sleeps:<\/b>\u00a0Financial stress is taking a heavy psychological toll. Over one-third (<b>37%<\/b>) of those with credit card regret state that their debt is <i>always<\/i>\u00a0on their mind, with another 32% thinking about it multiple times a week.<\/li>\n<li><b>The Retirement Blind Spot:<\/b>\u00a0Among those regretting their lack of retirement savings, <b>1 in 5 (20%) have not saved a single dollar<\/b>\u00a0for their future\u2014a figure that has worsened since last year. Meanwhile, Baby Boomers report the highest level of regret (48%) for not starting sooner.<\/li>\n<\/ul>\n<p>&#8220;When people are juggling six different credit cards and carrying balances month after month, they aren&#8217;t managing money\u2014they&#8217;re reacting to a crisis,&#8221; said <a href=\"https:\/\/edge.prnewswire.com\/c\/link\/?t=0&amp;l=en&amp;o=4808179-1&amp;h=3895596367&amp;u=https%3A%2F%2Fwww.debt.com%2Fauthor%2Fhdvorkin%2F&amp;a=Howard+Dvorkin%2C+CPA\" target=\"_blank\" rel=\"nofollow\">Howard Dvorkin, CPA<\/a>, Chairman of Debt.com. &#8220;People are relying on plastic as a lifeline to absorb inflation and rising living costs. But you cannot outsmart high interest rates. When over a third of consumers say their credit card debt is constantly on their mind, we aren&#8217;t just looking at a balance sheet problem; we&#8217;re looking at an exhaustion crisis.&#8221;<\/p>\n<p><b>Shocking Consumer Realities at a Glance:<\/b><\/p>\n<ul type=\"disc\">\n<li>Among those regretting their credit card use, the vast majority carry significant balances: <b>40% owe between $5,000 and $15,000<\/b>, and <b>22% owe between $15,001 and $30,000<\/b>.<\/li>\n<li>Six-figure <a href=\"https:\/\/edge.prnewswire.com\/c\/link\/?t=0&amp;l=en&amp;o=4808179-1&amp;h=3425014163&amp;u=https%3A%2F%2Fwww.debt.com%2Fstudent-loan-solutions%2F&amp;a=student+loan\" target=\"_blank\" rel=\"nofollow\">student loan<\/a>\u00a0remorse has dropped sharply (only 4% owe $100k\u2013$200k), while regret has spiked among moderate borrowers\u2014nearly 4 out of 10 (39%) regret borrowing between $25,000 and $50,000.<\/li>\n<li>For Millennials, homeownership is a double-edged sword; while some regret missing out, 9% regret buying altogether\u2014largely driven by unexpected maintenance and repairs (57%) and high interest rates (43%).<\/li>\n<\/ul>\n<p><b>Taking Back Control: Debt.com&#8217;s 4 Steps to Overcome Financial Regret<\/b><\/p>\n<ul type=\"disc\">\n<li>Audit Your Cards: With the multi-card epidemic on the rise, stop using the cards you are trying to pay off. List out every card, its balance, and its interest rate to prioritize which one to tackle first.<\/li>\n<li>Face the Psychological Toll: Recognize that constant worry is a sign of burnout. Give yourself permission to break the cycle by shifting from a reactive mindset (&#8220;just surviving month-to-month&#8221;) to an active recovery plan.<\/li>\n<li>Seek Professional Guidance: Don&#8217;t suffer in silence. Reach out to certified financial professional to explore structured options that can get you on the right track.<\/li>\n<li>Build a Small Emergency Buffer: Since many credit card traps start from unexpected emergencies, try to build even a modest safety net so minor car repairs or medical bills don&#8217;t immediately force you back onto high-interest plastic.<\/li>\n<\/ul>\n<p>To review the complete survey data, generational breakdowns, and methodology, visit <a href=\"https:\/\/edge.prnewswire.com\/c\/link\/?t=0&amp;l=en&amp;o=4808179-1&amp;h=2480531667&amp;u=https%3A%2F%2Fwww.debt.com%2Fresearch%2Ffinancial-regret-survey%2F&amp;a=Debt.com%27s+Financial+Regrets+Survey\" target=\"_blank\" rel=\"nofollow\"><b>Debt.com&#8217;s Financial Regrets Survey<\/b><\/a>.<\/p>\n<p>About: <a href=\"https:\/\/edge.prnewswire.com\/c\/link\/?t=0&amp;l=en&amp;o=4808179-1&amp;h=3184621155&amp;u=https%3A%2F%2Fwww.debt.com%2F&amp;a=Debt.com\" target=\"_blank\" rel=\"nofollow\">Debt.com<\/a>\u00a0is a trusted source for consumers seeking help with credit card debt, student loans, tax debt, credit repair, and more. By connecting people with vetted financial professionals and educational tools, Debt.com empowers Americans to make smart debt relief and money decisions to regain control of their finances.<\/p>\n<div class=\"PRN_ImbeddedAssetReference\" id=\"DivAssetPlaceHolder2\">\n<p>\n                    <img decoding=\"async\" src=\"https:\/\/mmx.prnewswire.com\/media\/MS2022201\/Debtcom_Financial_Regret_Survey_Press_Image-1-1.jpg?id=OA3043684\" title=\"Americans\u2019 Biggest Money Regrets | Debt.com\u2019s 2026 Survey\" alt=\"Americans\u2019 Biggest Money Regrets | Debt.com\u2019s 2026 Survey\"\/>\n                <\/p>\n<p>\n                    <img decoding=\"async\" src=\"https:\/\/mmx.prnewswire.com\/media\/MS1277941\/Debt-com-Logo.jpg?id=OA3043682\" 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\" 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\"\/>\n                <\/p>\n<\/p><\/div>\n<p>SOURCE Debt.com<\/p>\n<\/p><\/div>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>New Debt.com Survey Uncovers America&#8217;s Silent Crisis: 78% Carry Financial Regret, Driven by Surging Credit Card Balances and Constant Anxiety<br \/>\n                PR Newswire<br \/>\n                FORT LAUDERDALE, Fla., Oct. 28, 2026<\/p>\n<p>                Latest national data reveals a sharp jump in multi-card reliance, widespread retirement fears, and an unexpected generational shift in financial anxiety.<br \/>\n                FORT LAUDERDALE, Fla., Oct. 28, 2026 \/PRNewswire-HISPANIC PR WIRE\/ &#8212; Financial regret is officially a national epidemic. According to a comprehensive new&#8230;<\/p>\n","protected":false},"author":1,"featured_media":278428,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-278427","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\/278427","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=278427"}],"version-history":[{"count":0,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/posts\/278427\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/media\/278428"}],"wp:attachment":[{"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/media?parent=278427"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/categories?post=278427"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hispanicprwire.com\/en\/wp-json\/wp\/v2\/tags?post=278427"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}