There are a few good strategies you can use to help regain control of $10,000 or more in credit card debt. Mohd Izzuan/Getty Images

Credit card debt has quietly crept into the five-figure range for millions of Americans recently, which is hardly surprising given today's inflationary environment and other economic challenges, which are driving more people to use this type of shorter-term borrowing to get by. As a result, the total amount of credit card debt nationwide has now reached a record $1.21 trillion . Average credit card interest rates are also hovering near 22% on average , making it tough for cardholders to stay on top of payments as their balances snowball.

Having $10,000 or more in credit card debt can be more than just a monthly budget issue, though. While i

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