articleThe Brief Nearly a quarter of Americans with credit card debt say they may never pay it off. According to a new Bankrate survey released July 16, 23% of people with credit card debt believe they will never get out of it. We also don’t know how the growing use of buy-now-pay-later services or high-interest fintech products may be impacting long-term credit card debt accumulation. If you have credit card debt, you have plenty of company, and the causes are usually practical. Rossman also offered several strategies for tackling credit card debt, including balance transfer cards, nonprofit credit counseling, and side hustles to generate extra income.