Increasing inflation could have an impact on the type of debt consolidation it makes sense to pursue right now.

The Fasten credit card will, when it launches, allow you to earn points on your loan or lease, insurance premiums, gas, tolls ...

Between today's high rates and the recent uptick in spending, it's time to get your credit card debt under control.

The card lets you allocate money toward your credit limit; you can spend only as much as you put aside. The card is basically debt-proof, but you'll have to be OK with opening a Chime account.

Credit counseling and debt relief are both worth considering, but one may be better than the other. Here's why.