Feeling buried by credit card debt? You’re not alone—the average balance is close to $8,000, and sky-high interest rates aren’t helping. But before you think about ditching payments or going full bankruptcy, there are smarter ways out. Debt forgiveness, management plans, or even a balance transfer card can help you chip away at what you owe without nuking your credit. The key: don’t panic, and don’t go radio silent on your card company! #MoneyHacks #DebtFreeJourney #CreditCardTips #PersonalFinance #Finance