Credit card debt forgiveness could be the viable debt relief solution you need now. Here's how to qualify in 2026.

Quick Read Americans owe $1.23T in credit card debt at 22.83% APR while the Fed rate sits at 3.72%. Issuers maintain a constant 15-18 point markup over prime. Fed cuts don’t reduce consumer borrowing costs.

Millions of Americans struggle with looming credit card debt, with many making fixing their credit and digging out of debt their New Year’s resolution.

For many people carrying high-interest debt, debt consolidation is often the first strategy they consider. This may involve a personal loan or a Home Equity Line of Credit (HELOC) that consolidates multiple credit card balances into a single payment at a lower interest rate, helping you get rid of your debt faster.

High credit card balances and steep interest rates are pushing more people to consider debt settlement, but programs are not all the same.

A woman who had nearly paid off a £10,000 debt was sent emails suggesting she could apply for new credit cards.

Debt consolidation can help manage credit card and student loan debt. Learn about options and the importance of financial planning.

This article discusses how debit and credit cards work, including their pros and cons. It ends with some helpful tips and strategies for responsible card use.