NEW YORK—Early in the pandemic, there were encouraging and surprising signs about the decline of credit card debt. Now, that trendline seems to be changing. Many Americans stayed at home at the start of COVID-19 and did not spend like they usually do. They also received several rounds of emergency cash assistance, helping to chop away at those credit-card bills, at least temporarily. Spending is ticking back up—and the results are starting to show up on our monthly statements. In fact, 42 percent of those with credit card debt, or 59 million Americans, say they have added to their balances since the beginning of the pandemic, according to a new study by personal finance site Bankrate.com. “Things are better for some, but they are not better for everybody,” explains Ted Rossman, Bankrate’s senior industry analyst. The end of stimulus checks, expanded unemployment benefits and the eviction moratorium does not bode …