Credit card delinquencies are up overall in the past year — but that’s not the whole debt picture. Wealthier consumers can pay off their debt right now, driving up the nation’s average credit score. It’s a tale of two Americas. Also in this episode: Federal data reveals that nearly 1 in 4 Black prospective homeowners are denied a mortgage, and we catch up with a couple whose gift-giving journey was featured on “This Is Uncomfortable.”