Americans are still building up their credit-card balances, but they’re doing a better job paying those bills on time — and it could be sign that inflation’s bite is easing.

U.S. consumers have more credit card debt than ever before, hitting a fresh record $1.17 trillion last quarter, according to New York Federal Reserve data.

If you’ve been denied a credit card hardship plan or offered terms that you can’t afford, credit counseling may get your finances on track.

Collectively, Americans owe a record $1.17 trillion on their credit cards, according to a new report from the Federal Reserve Bank of New York. Still, credit card delinquency rates improved in the most recent quarter,