Another thing is that credit card debt is at an all time high. People are at the point of putting groceries and rent on credit cards. The breaking point is near for many people. Inflation will take several more months to tame. There will be more rate increases from the FED in the next few months. That's going to push credit card interest rates even higher. Defaults are coming. Hang in there. Plant a garden if you can and get some chickens.