The cost of using credit cards is falling and Americans are using them more freely than they've done in years, yet there isn't a correlation between these two trends....
In a rare break from the post-Lehman trend, Americans racked up quite a bit of credit card debt in October, as they also did with auto and student loans....
Millennials are excessively reliant on credit cards, which holds their credit scores down and prevents them from getting the most favorable terms on new loans....