Getty Images; Jenny Chang-Rodriguez/BIAmerica's credit card debt has surged, and distress could peak this year.Banks could write off the largest share of credit card loans since 2011, finance experts predict.Debt distress will be driven by weaker consumer finances, thanks to elevated inflation and interest rates.Benton McClintock, 27, had been running away from his credit card bill for nearly a decade before deciding to pay it off.