A record number of consumers are making minimum credit cards payments as delinquencies also rise

[Hotler]

2. Ways to show resistance. Stop using the CC for every little transaction, save it for major purchases

where carrying large amounts of cash wouldn't work. Mom & Pop's like cash.
If you can, I repeat, if you can, pay off the card each month. Banks don't like it when you pay off your balance each month because you get to use their money for free for 30-days and that bugs the shit out of them. They refer to those that pay off the balance as "deadbeats". I wear it proudly.