an all-time high. apr, the average annual percentage rate, is at a record high of 17.8%. so people who are buying all this stuff with borrowed money are going to feel the pain in their wallets eventually. we also see data from creditcards.com, reporting that households with credit card debt are outspending those without it when it comes to voluntary costs, and 18% of households are unwilling to cut back on things like takeout and travel and all the fun stuff. so, is this the case of old habits dying hard? yeah, absolutely! i mean, it s really concerning, because when you mention there the creditcards.com poll, we re talking about nonessential items that people are using their credit card to buy. and these are things that they don t really need, so spending $2,000 a year on takeout, another $1,000 on subscription services, another $1,000 on extra shoes and clothing that they don t really need. and by spending their using their credit card for nonessential items, they re adding to