Unpaid medical debt will no longer affect credit scores, according to a new rule from Biden administration regulators who want to mitigate the financial repercussions of those bills.

Total U.S. credit card debt fell 12% at an annualized rate in November, a plunge not seen since the onset of the pandemic. High interest rates and tightening lending standards by banks may be preventing people from using credit cards, even if they want to.

A new Consumer Financial Protection Bureau rule means consumers’ hospital and doctor bills can no longer weigh down their credit scores.