5 Critical Signs You're Trapped in a Credit Card Debt Spiral

• Credit card debt default rate overdue for 90+ days surged to 15% by March 2025, up from 12.6% in 2023, per CRIF Highmark.
• Paying only minimum dues keeps principal high and interest piling up, a key indicator of debt trouble.
• Taking new loans to repay old ones aggravates debt, increasing your overall financial burden.
• Principal value rarely diminishing despite regular EMIs suggests heavy interest payments or extended tenures.
• EMIs consuming a significant portion of income (over 30-35% suggested) and minimal savings indicate a deep debt trap.

Why It Matters: Recognize these 5 warning signs to avoid or escape a dangerous credit card debt spiral.