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Since March 1962, the debt ceiling has been raised 74 times, according to the Congressional Research Service. Ten of those times have occurred since 2001. Expect more of the same over the next decade.
Credit card and mortgage rates did go up, but not much. Credit card rates did turn out to be more tied to interest rates than expected. And NerdWallet predicts that credit card lending rates will go up again in the next year, with the average house hold paying around $18 more in interest a year. Mortgage rates have jumped to to 4.1% on a 30-year fixed mortgage from 3.5% a year ago.