 The average interest rate on balances carried over from month to month is nearly 23 percent. A NerdWallet survey finds nearly one out of four credit card users are stressed about their outstanding debt. Forty-six percent are still paying off bills they racked up last summer. Scott Horsley, NPR News, Washington. A tight housing market dealing with the twin troubles of high home prices due to a shortage of homes on the market along with higher borrowing costs. The National Association of Realtors says sales of previously owned homes fell significantly.