CPA Practice Advisor reports that a growing number of Americans are feeling the weight credit card debt—and it’s not just hitting their wallets, it’s shaping their decisions. According to a new Bankrate survey, 64% of U.S. adults carrying credit card debt say it’s caused them to delay or avoid important financial choices. 

Top among those delayed decisions? Building an emergency savings fund (34%). Health and wellness expenses have also taken a hit, with 17% putting off medical care and another 17% skipping wellness-related costs like gym memberships or meal plans. In total, one in four Americans say they’ve postponed healthcare or wellness spending due to credit card debt. 

Other impacted areas include investing (23%), buying a vehicle (21%), helping family or friends financially (19%), and even donating to charity (17%).

Millennials and Gen Z are especially burdened: 75% and 72% of them, respectively, report avoiding financial decisions due to credit card debt. For millennials, 40% say they’ve put off healthcare or wellness expenses—more than any other generation. 

With credit card debt at a record $1.2 trillion and interest rates hovering around 20%, many are stuck in a costly cycle. Bankrate’s Ted Rossman advises looking into balance transfer cards or nonprofit credit counseling to get back on track—and regain control of financial priorities.