Consumer stress has intensified, with an escalating share of credit card holders making only minimum payments on their bills, according to a Philadelphia Federal Reserve report.

If you're struggling to keep up with mortgage payments amid the natural disaster, you may be able to access mortgage forbearance. Bank of America, Citi, Chase, U.S. Bank and Wells Fargo have committed to providing 90-day forbearances and possibly other aid, according to a Jan. 18 news release from California Gov. Gavin Newsom.

Debit cards let you pay for things with money in your bank account, while credit cards pay with a line of credit. A debit card can be handy for preventing overspending and interest charges, as well as for withdrawing cash. A credit card can help you build your credit history, earn rewards and get better fraud protection.

Bilt offers 1x points per dollar on rent, up to 100,000 points a year. To earn points, you'll need to use the card at least five times each monthly statement period. You can earn higher points when you spend on travel and restaurants. As a Bilt cardholder, you can scoop up special perks at partnering restaurants, fitness studios and rideshare apps.

Pensioners who lost winter fuel money after government changes tell the BBC the last few months have been a struggle.

One of the most striking trends from the third-quarter data is the rise in the share of active credit card holders making only minimum payments. This figure has surged to 10.75%, the highest level recorded since tracking began in 2012.