Debt.com's 2025 credit card survey reveals alarming credit card debt trends as inflation continues to strain American wallets

As lawmakers propose new legislation to cap sky-high credit card interest rates, Debt.com's latest Credit Card Survey reveals just how deeply inflation has driven Americans into debt—and how many are struggling to escape it. For the second year in a row, 1 in 3 Americans say they rely on credit cards to make ends meet, with many already maxed out. The nationwide survey of 1,000 U.S. adults underscores how inflation and rising costs have turned credit cards from convenience tools into financial lifelines.