Credit card debt relief could be worth pursuing this December for a variety of reasons. Kathrin Ziegler/Getty Images

Late November is often a time when holiday spending increases and the swipe of a credit card becomes more frequent. So it may feel unusual to think of now as the right time of the year to tackle your growing credit card debt. But the reality is that there's never a bad time to regain your financial health and security, and in today's unique economic landscape, many could actually benefit from taking a proactive approach.

The average credit card interest rate sits over 20% now, just under a record high, and the average American owes thousands of dollars to credit card companies . And with both items elevated, simply making minimum payments each month won't make mu

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