{"id":1969,"date":"2019-03-21T11:47:33","date_gmt":"2019-03-21T15:47:33","guid":{"rendered":"https:\/\/www.lendvious.com\/blog\/?p=1969"},"modified":"2019-10-09T08:31:55","modified_gmt":"2019-10-09T12:31:55","slug":"what-drives-credit-card-debt-in-america","status":"publish","type":"post","link":"https:\/\/www.lendvious.com\/blog\/blog\/2019\/03\/21\/what-drives-credit-card-debt-in-america\/","title":{"rendered":"What Drives Credit Card Debt in America"},"content":{"rendered":"

It is no secret that using credit cards can come with unfortunate consequences. In fact, the average American adult is well aware of the risks of poorly managed accounts, high interest rates and debt. But that hasn\u2019t significantly stopped users from charging more to their cards than they can regularly pay off. Credit card debt continues to rise, yet, more and more Americans heavily rely upon this payment method. This gives rise to the questions: What factors drive credit card debt in America, and how can you make better financial decisions as an informed credit card holder? \u00a0 \u00a0<\/span><\/p>\n

Freedom Debt Relief\u2019s Survey Findings<\/h2>\n

According to a <\/span>Freedom Debt Relief survey<\/span><\/a> conducted in January 2019, credit card debt is not primarily driven by massive indulgences or shopping binges. Counter to these common perceptions, 42% of respondents reported that the primary contributors to their credit card debt are everyday expenses. These recurring items include necessities like food, utilities and gas (42%), followed by retail purchases (17%) and medical bills (13%).<\/span><\/p>\n

When asked if they would be able to handle an unexpected $500 expense, 54% said it would be \u201cdifficult to very difficult\u201d. Shockingly, this means that many Americans are dependent on credit cards to make ends meet every month.<\/span><\/p>\n

Impact of Credit Card Debt<\/h3>\n

Credit card debt is stressful and can potentially result in financial devastation. Not only can it put you in a financial crisis, it also tarnishes your credit score and reduces your ability to take out future loans. Nearly half of respondents to the FDR survey reported that debt is stressful, and 40% said they are delaying life goals because of debt. In addition, 12% revealed that they are postponing having children because of their credit card debt.<\/span><\/p>\n

The majority of respondents also admitted that credit card debt affects their ability to go on vacation and to save for retirement. These responses highlight the deep impact of credit card debt shouldered by American families. Many reported that they would give up vacationing for 10 years, while others would give up their driver\u2019s license or even their right to vote if it meant they could be free from their credit card debt!<\/span><\/p>\n

How to Overcome Credit Card Debt<\/h3>\n

The best way to protect yourself from the negative impact of credit card debt is to make timely payments. If you\u2019ve already accumulated debt, here are a few tips that can help you get back on track:<\/span><\/p>\n

    \n
  1. Plan your finances:<\/b> You may be in debt, but that doesn\u2019t stop you from budgeting. Start tracking your monthly income and all of your expenses. This will encourage financial accountability and help you identify where you are spending your money. Gain control of your finances by recognizing where you can start reducing costs.<\/span><\/li>\n
  2. Consider paying more than the minimum:<\/b> While paying the monthly minimum on your credit card may feel sufficient, you owe a considerable amount of interest even after your initial debt is fully repaid. Consider paying more than the minimum each month and know that you are saving yourself money in the long-run.<\/span><\/li>\n
  3. Think about alternatives:<\/b> Once you are determined to pay off your debts, there are several options you can consider: debt settlement allows you to negotiate with your creditors to reduce the total amount you owe. Similarly, <\/span>debt consolidation<\/span> allows you to combine all your debts into one loan account that comes with a lower interest rate. These options can simplify repayment and help you save the money you would otherwise pay as interest.<\/span><\/li>\n<\/ol>\n

    There is no question that credit card debt is frightening. But that doesn\u2019t negate the benefits of using a credit card sensibly. You can start today with proper financial awareness and management. STOP using too many credit cards, be AWARE of how you\u2019re spending your money and ORGANIZE your payment plan to BENEFIT from credit card use and enjoy financial freedom!<\/span><\/p>\n

    Also read: Settle Credit Card Debts in 4 Simple Steps<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    It is no secret that using credit cards can come with unfortunate consequences. In fact, the average American adult is well aware of the risks of poorly managed accounts, high interest rates and debt. But that hasn\u2019t significantly stopped users Read More<\/a><\/p>\n","protected":false},"author":4,"featured_media":2493,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,32],"tags":[1582],"class_list":["post-1969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","category-reduce-debt","tag-credit-card-debt"],"yoast_head":"\nWhat Drives Credit Card Debt in America - Lendvious<\/title>\n<meta name=\"description\" content=\"Credit card debt has been on the rise for several years. And more Americans now heavily rely on credit cards. 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    At <\/span>Lendvious<\/span><\/a>, we help by connecting you with leading lenders in the market who provide the best deals on <\/span>credit card refinancing<\/span><\/a> and <\/span>debt consolidation loans.<\/span><\/a><\/p>\n