Credit card debt is on the rise during the COVID-19 outbreak. A recent study found that nearly half of all credit card holders in the United States have increased their credit card debt since March. 

As financial stability becomes less secure, many households have turned to credit cards to make up lost income. Unfortunately, this strategy only increases the risk of hurting your financial and personal health. Even making minimum payments may cause significant stress to your well-being.

Have no fear, we’re here to help. Take these tips into consideration and learn how to overcome financial stress when you have credit card debt.

Pause and Reflect

Take the time to reflect on your financial challenges. Create a short list of the finances that are the most stress-inducing, then focus on what needs the most attention. Consider whether these finances are time-sensitive. Do they require immediate action or can they be managed slowly?

Defining your financial difficulties is the first step to reducing stress. With your list on hand, you can see what financial challenges must be accomplished first instead of trying to react to everything at once. Simply having a plan and knowing where to focus your energy can provide some relief from financial stress.

Stay Positive and Realistic

While it is easier said than done, try to remain positive. The way you handle debt affects the way you feel. After creating a plan of action with your list of financial challenges, know that you are on your way to a better financial situation. 

Create realistic objectives that you can accomplish. It can be difficult to stick to an ambitious plan of slashing a budget, so start with smaller goals and work your way up over time. If your goals are manageable, you are less likely to abandon them. 

Low Payments and Rates

If you are feeling overwhelmed by multiple debt channels, consider consolidating your debt with a personal loan. With this method, you can combine what you owe into a single sum and make payments each month. Find relief knowing that you are chipping away at your debt, including credit card debt, to get out of debt once and for all.

Lendah can find a debt consolidation loan that fits your budget! With one application, you will have loan options from across our network of over 30 lenders!


Let our loan matchmakers find the best terms tailored to you with fast approval, rates starting as low as 3.84%, and approval amounts up to $100,000. Best of all, you won’t be penalized for paying off your loans early!

Remember, if you need help finding a lender, just ask for Lendah! Our loan matchmakers make debt consolidation loans simple.

Get started today on our website. Prefer to talk in person? Call us at 833-453-6324 and we’ll get you connected immediately with one of our loan experts.