More borrowers have been falling behind on their credit card bills and are paying more for basic banking services, like A.T.M. fees.

Americans are increasingly struggling with credit card debt and other loans, and consumers are paying more for basic banking services like A.T.M. withdrawals, recent financial research finds.

Interest and fees on credit card accounts carrying balances rose about 25 percent in 2023 from the year before, according to a report published this month by the Financial Health Network, a nonprofit focused on financial stability. And 42 percent of households carrying balances on credit cards reported that their overall debt level was “unmanageable,” up from 38 percent in 2022, the network found.

“The uptick raises warning signs in our minds,” said Hannah Gdalman, the nonprofit’s manager of financial services solutions. More borrowers have been falling behind on credit card payments, especially those who have maxed out spending on their cards, according to

Keep reading this article on The New York Times Your Money.