Debt stress is the anxiety, worry, and overwhelm caused by financial debt, impacting both mental and physical health, and leading to issues like depression, anxiety, sleep problems, high blood pressure, and strained relationships. New Yorkers Among Most Debt StressedNew York ranks #3 nationally for combined debt-related search intensity, trailing Mississippi (#1) and Louisiana (#2). Causes of Credit Card Debt Credit Card debt in America sits at a record $986 billion . Developing good financial habits, such as budgeting, saving, and understanding credit card terms, can help prevent or manage credit card debt effectively. It's important to note that each individual's situation is unique, and a combination of these factors or other personal circumstances can contribute to credit card debt.