Core Insights - Carrying credit-card debt has become increasingly expensive over the past several years, indicating a rising cost of borrowing for consumers [1] - There are concerns that lower interest rates could lead to reduced access to credit, potentially impacting consumer spending and overall economic activity [1] Group 1 - The cost of carrying credit-card debt has escalated, reflecting broader trends in interest rates and lending practices [1] - Lower interest rates may not necessarily benefit consumers, as they could result in tighter credit access [1]