But move over Spider-Punk, aka Hobart "Hobie" Brown, because there's a new counterspell troll in the game — or rather, ...

Half of Americans are in some sort of credit card debt. If that's you and you'd like to change that in the New Year, 5 On Your Side's Keely Arthur is here to help.

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Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Jane Meacham has 40 years' experience researching, writing, and editing financial content.