Credit card companies are very good at one thing: keeping you in debt. In 2025, with rising interest rates, record inflation, and economic instability from tariffs and layoffs, the last thing most Americans need is another financial trap. But that’s exactly what many credit card issuers are hoping you’ll fall into.
Let’s pull back the curtain on how these companies operate—and what you can do to protect yourself.
Minimum Payments Are Designed to Keep You Stuck
The minimum payment isn’t there to help you get out of debt—it’s there to keep you in it. If you’re only paying the minimum, you could be in debt for decades. And credit card companies? They profit from every extra month you stay in the cycle.
High Interest Rates Are Quietly Costing You Thousands
Even if you’re paying more than the minimum, those 24% or 29% APRs can eat up your payments. That $10,000 balance might end up costing you $20,000 or more over time. These high rates often increase with no warning.
They Don’t Want You to Consolidate
Why? Because debt consolidation could mean paying less interest, getting out of debt faster, and no longer racking up charges on multiple cards. That’s bad for their bottom line. So they discourage it, or try to make it sound risky—when in reality, it can be one of the smartest moves you make.
They Count on You Feeling Shame
Debt can feel isolating and overwhelming, and credit card companies count on that. They want you to feel like it’s your fault, like there’s no way out. But there is—and it starts with understanding the system is built this way on purpose.
So What Can You Do?
Explore Your Options
Debt consolidation can simplify your payments and reduce your total interest paid. Whether through a personal loan or working with a debt resolution provider, you may have more power than you think.
Talk to a Debt Professional
At Debthunch, we help you understand your full picture. We connect you with specialists who explain all your options—in plain English—and help you move toward financial freedom.
Take the First Step
You don’t have to stay stuck in the cycle. Complete our short form and see if you’re matched with a debt solution today. You deserve to know what credit card companies don’t want you to find out.
It’s time to take back control.
📘 Answer a few quick questions to see if we can find you a debt relief solution today.
