2026年3月25日 / 美国东部时间上午9:16 / CBS新闻
根据近期的一项分析，创纪录比例的美国人无力偿还月度信用卡账单，这加剧了美国居民在可负担性方面面临的财务困境。
左倾智库”世纪基金会”与倡导组织”保护借款人”联合发布的报告显示，约有1.11亿人——即拥有信用卡的美国人的50%和美国成年人口的40%——背负信用卡债务。报告发现，这一数字比五年前处于相同情况的9500万人增加了17%。
世纪基金会主席朱莉·马格塔-摩根在接受CBS新闻采访时表示，这些发现表明，即便在伊朗战争推高油气价格（目前已接近每加仑4美元）之前，美国人就已无力支付月度信用卡账单。她指出，燃料成本比一个月前高出约34%，许多家庭可能会发现自己的财务状况更加紧张。
“对大多数消费者来说，我们已经处于一种不可能的财务状况。现在汽油价格上涨，这些影响正在整个经济中蔓延，”她说。
为节省开支而忍饥挨饿
世纪基金会12月的另一项研究发现，四分之一的美国人表示，他们为了支付月度开支而跳过了用餐，三分之一的人推迟或放弃了医疗护理。
“而那还是在汽油价格飙升之前，”马格塔-摩根说。
根据LendingTree的数据，持有信用卡债务的平均利率为23.7%，这使得信用卡债务的持有成本高昂。
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“消费者既背负着高额债务，又要支付极高的利息，”马格塔-摩根说。”我们正处于一个前所未有的、且每月都在恶化的局面中。”
随着许多家庭面临的财务压力不断增大，一些人开始动用其他资金来源，创纪录比例的美国人提取401(k)养老金以应对紧急支出。金融专家警告称，这种做法不可取，因为动用退休资产可能会导致罚款，并可能降低个人退休后的财务准备程度。
信用卡利息总额达2.1万亿美元
今年1月，特朗普总统提出一项提案，建议将信用卡利率上限设定为10%，以防止美国人被发卡机构”剥削”，但该提案尚未付诸实施。
银行业对特朗普提出的利率限制表示反对，认为这会限制消费者获取信贷，并迫使他们转向风险更高的借贷产品。
马格塔-摩根表示，高额的信用卡利率是银行和信用卡公司的利润中心，并指责它们”一再提高人们的债务成本”。报告显示，自2010年以来，美国人已向银行和信用卡公司支付了2.1万亿美元的信用卡利息。
报告发现，如果将利率上限设为10%，美国人每天将节省3.68亿美元的利息支出。
马格塔-摩根担心，汽油价格上涨可能成为压垮约40%人口的最后一根稻草。
“人们只是勉强支付信用卡的最低还款额，很有可能我们会看到人们陷入绝境，无法再负担债务，”她说。
由艾米·皮基编辑
https://www.cbsnews.com/video/tips-for-paying-off-credit-card-debt-managing-interest/
Record share of Americans carry credit card debt, can’t pay monthly bills
March 25, 2026 / 9:16 AM EDT / CBS News
A record share of Americans are unable to pay off their monthly credit card bills, compounding money woes for U.S. residents grappling with affordability concerns, according to a recent analysis.
Roughly 111 million people — 50% of Americans with a credit card and 40% of the U.S. adult population — carry credit card debt, according to a joint report from The Century Foundation, a left-leaning think tank, and the advocacy group Protect Borrowers. That’s a 17% increase from the 95 million who were in the same situation five years earlier, the report found.
The findings show that Americans were unable to pay their monthly credit card bills even before the war in Iran drove up oil and gas prices, now closing in on $4 a gallon, The Century Foundation president Julie Margetta-Morgan told CBS News. With fuel costs about 34% higher than a month ago, many households may find themselves even more financially strained, she said.
“We were already in an impossible financial situation for most consumers. Now gas prices are rising, and those are rippling throughout the economy,” she said.
Skipping meals
One-quarter of Americans say they have skipped meals to cover their monthly expenses, while one-third report delaying or skipping medical care, a separate study from The Century Foundation found in December.
“And that was before gas prices spiked,” Margetta-Morgan said.
Credit card debt is costly to hold, with the average interest rate standing at 23.7%, according to LendingTree.
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Consumers “are both carrying a high level of debt and paying exorbitantly high levels of interest on it,” Margetta-Morgan said. “We are in an unprecedented situation that keeps growing month to month.”
With financial pressures mounting on many households, some are tapping other sources of money, with a record share of Americans dipping into their 401(k)s to cover emergency expenses. Financial experts caution against such a step because tapping retirement assets can lead to penalties and may reduce a person’s financial readiness for retirement.
$2.1 trillion in credit card interest
President Trump in January floated a proposal that would cap credit card interest rates at 10%, to prevent Americans from being “ripped off” by card issuers, he said at the time. But the cap has not come to fruition.
The banking industry has pushed back on Mr. Trump’s proposed limit, arguing that it would crimp consumers’ access to credit and direct them toward riskier lending products.
Margetta-Morgan said high credit card interest rates are a profit center for banks and card companies, and accused them of “jacking up the cost of debt for people at every turn.” Americans have paid banks and card companies $2.1 trillion in credit card interest since 2010, according to the report.
A 10% cap would save Americans $368 million in interest a day, the report found.
Margetta-Morgan is concerned that rising gas prices could be the factor the push some 40% of the population over the financial brink.
“People are just squeezing out minimum payments on credit cards, and it’s very possible that we’ll see people tipping over the edge and be unable to afford keeping up with their debt,” she said.
Edited by Aimee Picchi
https://www.cbsnews.com/video/tips-for-paying-off-credit-card-debt-managing-interest/
