The Warning Signs Looming Over Credit Card Lending
The credit card industry seems headed for uncharted waters. Inflation, better than a year ago, remains high. Nonetheless, consumers are...
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Credit
Credit impacts both consumers and businesses, playing an important role in personal finance and economic growth. It allows consumers to make purchases and helps businesses conserve cash while expanding operations.
How Many Private-Label Credit Cards do Consumers Own?
Americans are holding more private-label credit cards than ever—store-branded cards tied to specific retailers rather than major networks like Visa...
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Credit Card Users Resent “Nickel and Dime” Surcharges
As reports of merchants imposing surcharges on credit card transactions continues to rise, credit card users remain frustrated by these...
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Capital One Moves Forward
It is more than a big deal that the Capital One-Discover acquisition passed its last two regulatory hurdles. The biggest...
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Memorized Card Numbers Linked to Increased Spending, Debt
Whether by design or sheer repetition, many consumers have memorized their debit or credit card numbers. That may be a...
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Revolut Enters a Tough European Market for Rewards Credit Cards
Although it has found success with a wide range of personal finance products, UK-based fintech Revolut faces an uphill battle...
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Late Fees: No Longer Junk, Back to Contractual Commitments
Back in the old days of 2023, regulators were calling late fees “junk.” We kept calling them “contractual commitments,” as...
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What Payment Cards Have Been Used in the Previous 12 Months?
Over the past 12 months, consumer spending habits have continued to evolve, and so has the way people pay. We...
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No Buyers for the Apple Card, but the Technology Is Hot
The WSJ reported that Visa is considering a $100 million bid to shift the Apple Card’s network alignment from Mastercard...
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Two Key Factors Driving Credit Card Rates Higher
Credit card rates remain high for two main reasons, according to a new study from the New York Fed: steep...
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