While the current inflation rate is lower than it was in April of last year, it's not back to normal quite yet. At a rate of 3% in June, the inflation rate has continued its downward trend but is still a full point higher than the Federal Reserve's target rate of 2%. What that means is that higher-than-ideal inflation is continuing to send the cost of consumer goods and services up. In turn, some Americans have turned to credit cards to cover their daily expenses.
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