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Credit Card Minimums Fuel Growing Debt, Survey FindsFinance — 5dAcross finance coverage, a substantial share of U.S. cardholders carry balances and pay only the minimum each month, with average debt and interest around $7,700 and roughly 21% APR, which can stretch repayment into years and significantly inflate total costs. Separately, travelers can mitigate cash and FX hassles by using travel credit cards for most purchases while maintaining a dedicated travel debit account as a cash backup.