My family is devastated from this depression and large amounts of credit card debt

The lending institutions are honestly suffering presently and as a result are passing their problems on to the typical debtor. They are minimizing credit lines, increasing interest rates, and withholding on issuing credit all together. This is constructing a huge problem for everyone of us who hold credit cards and charge on them all the time. I feel as if my credit cards are becoming heavier and heavier each time I go to use them because of the constantly rising interest rate. Even if I wanted