EVERYTHING IS GOING SWIMMINGLY: US credit-card debt increased by the most in 20 years. “More consumers are now relying on credit cards to get by, which has helped propel total credit card debt to $930 billion in the third quarter, just shy of the all-time record, according to a new report from the Federal Reserve Bank of New York. Credit card balances climbed more than 15% from a year earlier, the largest annual jump in more than 20 years.”