<p>Serious credit card delinquencies — balances 90 days or more past due — are the highest they’ve been in 15 years, according to recent data from the Federal Reserve Bank of New York.</p><p>For certified credit counselors, who spend their days helping Americans dig themselves out of debt, this number isn’t a surprise.</p><p>“Every time it seems like things are getting just a little bit better, there’s another one-two punch waiting for consumers around the corner,” says Lara Ceccarelli, a certified credit counselor based in Bremerton, Washington.</p><p>The latest blow has been the <a class="Link" href="https://chicago.suntimes.com/economy/2026/06/11/spiking-gas-prices-chicagoans-stop-rising-food-prices-inflation" >spike in gas prices</a>, though costs for other necessities, like housing and groceries, remain high. For people who turn to credit cards to help make ends meet, costly interest rates can trap them in a cycle of minimum payments. But these payments barely touch the principal debt.</p><p>If you’re falling behind on your credit cards, there’s a way out.
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