If you’ve been denied a credit card hardship plan or offered terms that you can’t afford, credit counseling may get your finances on track.

Americans are still building up their credit-card balances, but they’re doing a better job paying those bills on time — and it could be sign that inflation’s bite is easing.

Collectively, Americans owe a record $1.17 trillion on their credit cards, according to a new report from the Federal Reserve Bank of New York. Still, credit card delinquency rates improved in the most recent quarter,

Americans have racked up record levels of credit card debt, which is up 8 percent from a year ago. Many borrowers have fallen behind in paying their payments. NBC News' Christine Romans reports.