clipped from www.fool.com Credit card debt remains the single best answer we know to the question "Why can't I ever seem to get ahead?" As of this writing, there are more than a billion credit cards in circulation in the United States -- that's almost four cards for every American man, woman, and child. And nearly 70% of all credit card holders in the U.S. today carry a revolving card balance each month (i.e., they're just paying the minimum amount due ).