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A huge gap in this article is not defining what they mean by credit card debt. Sure, there’s an afterthought about high balances but the article is mostly focussed on monthly payments. With the death of cash, my monthly credit card bill has never been higher, but I’m also in a place where I’m paying it off every month and am in good financial shape. Credit card payments to cover pretty much all of my operating expenses is different from credit card debt. Until they better define that, I have to assume that a lot of us no longer use cash or checks, so the credit card payments going up is an unsupported claim
My credit card bills have gone up because they cover daily expenses, and inflation, never use cash, never use checks. For whatever portion of people are similar, I’m not convinced of the credit card portion.
Of course, I recently got a car loan after no payments for 5 years, so my personal debt also went way up