Overlooked money mistakes can quietly keep you stuck in debt, even if you're working diligently to get out of it. Phil Leo/Getty Images

The average credit card user currently carries over $7,000 in credit card debt , which is a serious (and growing) issue, and with average credit card interest rates hovering near two-decade highs, that burden has become increasingly expensive to maintain. What's particularly troubling, though, is that many people believe they're managing their debt responsibly because they're dutifully making payments each month and avoiding new major purchases. Still, their balances somehow seem to creep upward or stagnate despite their efforts.

What makes debt especially tricky is that you can actually make it worse without realizing it. The reality is that d

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