It's no secret that countless Americans are burdened by credit card debt. The typical household, in fact, owes $5,700 in outstanding charges, with Americans in their 30s, 40s, and 50s owing between $8,000 and $9,000, on average. But while you'd think that many of those with hefty balances would have credit scores that reflect their tendency to overspend, that's not necessarily true.In fact, a surprising number of consumers with good credit are overwhelmed by debt nonetheless.