美国的信用卡债务在高利率和生活费用驱动下,在2025年Q2达到创纪录的1.21万亿美元,引发了打击共同债务迷思的金融咨询。 U.S. credit card debt reached a record $1.21 trillion in Q2 2025, driven by high rates and living costs, prompting financial advice to combat common debt myths.

美国的信用卡债务在2025年达到创纪录的1.21万亿美元, Credit card debt in the U.S. hit a record $1.21 trillion in Q2 2025, fueled by high interest rates near 20% and rising living costs. A Bankrate调查显示,46%的美国人每月持有余额,这促使NPR的生命套揭穿了三个常见的神话:只支付最低金额是不可持续的,持有余额无助于信用,关闭旧账有害分数。 A Bankrate survey shows 46% of Americans carry balances monthly, prompting NPR’s Life Kit to debunk three common myths: paying only the minimum isn’t sustainable, carrying a balance doesn’t help credit, and closing old accounts harms scores. 该倡议提供了一套为期一个月的免费电子邮件系列,其中包含制定付款计划、削减开支和避免债务周期的实际步骤,并有迅速偿还大笔余额的真正成功事例。 The initiative offers a free one-month email series with practical steps to create payment plans, cut expenses, and avoid debt cycles, with real success stories of paying off large balances quickly. 订户继续每周接受关于个人财务和生活方式主题的咨询。 Subscribers continue receiving weekly advice on personal finance and lifestyle topics.