Credit
Credit trouble is spreading among Americans
Credit is the most honest gossip in the economy. It does not care about vibes, polls, or how the market closed yesterday. When...
The implications of overdue credit card debt
Missing a payment often begins quietly. You intend to clear it next month, then another expense arrives, and the unpaid balance lingers. This...
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Why paying only the minimum ends up costing you more
When your credit card bill lands, the smallest number on the page is often the one your eyes lock on. That minimum payment...
Why credit card balances are considered debt
Most people know that mortgages and car notes are debts. Fewer people think of a credit card balance the same way, especially when...
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Should you pay credit card surcharges for rewards?
Let’s talk about the awkward moment at checkout when a small pop-up says there is a 1 to 3 percent card fee. The...
Why paying with a credit card is safer for everyday spending
Paying is a habit you repeat thousands of times in a lifetime. Small choices compound, which is why the method you reach for...
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Buy now, pay later is going global, and that is good
Is convenience helping your plan or quietly pushing it off course. That is the only question that matters with installment offers at checkout....
Is BNPL a convenient payment method or a debt trap?
You are at the checkout, the total is higher than you hoped, and a neat little box offers four equal payments with no...
Can BNPL purchases influence your credit report?
If you have used a pay-in-four plan to smooth a purchase, you are not alone. What is changing is the visibility of those...
How to build credit safely when you are starting over
Credit is a tool, not a verdict on your worth. It helps you rent an apartment, set up utilities, qualify for a mortgage,...
Why checking credit karma won’t lower your score
You may have hesitated before tapping a credit app, wondering if that quick peek will cost you points you can not afford to...
Credit cards are safe to use as long as you follow one simple rule
Last year, my husband and I flew from Singapore to New York in business class on Singapore Airlines. Friends assumed we had splurged....
How pre-authorized debits work and why they matter
The most useful money systems are the ones that continue working when your week gets busy. That is why autopay keeps showing up...
How do you read and use an income statement?
Clients often ask where to start when they want a clear view of a company they hold or are considering. Balance sheets can...
How to read financial statements and the key types to know
Financial statements look intimidating until you realize they all answer a few simple questions. What did the company earn. What does it own...
Why higher-interest bank accounts top the list for young employees in Singapore
Young salaried workers are gravitating toward higher interest bank accounts because they promise more yield on money that must remain liquid for rent,...
How to protect credit from unpaid medical bills
Medical debt is not like maxing out a card on concert tickets. It usually shows up after something you did not plan, wrapped...
Debt struggles are hitting consumers at all income levels, reaching a ‘tipping point,’ expert says
Credit card balances are pressing higher again, and the stress is no longer concentrated only among lower-income households. Recent surveys show that payment...
Americans tap the brakes on credit card use
For much of 2022 and 2023, plastic was the pressure valve for rising prices and deferred travel plans. That phase is ending. The...
How to build credit with a credit card
The first card in your wallet is not really about perks or points. It is a tool that helps a bank observe your...
Should you get a credit card?
The decision to add a credit card is not a simple line on a to-do list. It is a commitment to a monthly...
Why airlines benefit from high credit card fees
Airlines do not just sell seats. They sell miles to banks, and the money from that sale props up the rewards you use...
Is credit card arbitrage worth the risk?
The idea is simple, which is why it travels so quickly on money forums. You take a promotional balance transfer or a zero...
How the sears credit card works, from benefits to rewards
If you have seen Sears-branded cards mentioned in forums or have one in your wallet already, the most useful way to think about...
How to maintain a high credit score for the long term
If your score is already strong, the goal is less about chasing points and more about protecting what you’ve built. Credit systems across...
Are you responsible for your parents’ debt after they pass away?
It is not unusual for adult children to worry about inheriting debt from their parents, especially if they know a parent carries significant...
Is a travel credit card worth it?
A wave of recent changes has made travel credit cards feel more complicated than they used to be. Annual fees are rising, lounge...
Does your U.S. credit score matter abroad?
When you live in the United States, your credit score is one of the most important numbers in your financial life. Whether you’re...
How the Gen Z mobile payment trend is reshaping the finance industry
Let’s be real: if you’re Gen Z, the only time you touch cash is when the card machine is down. And even then,...
Could your BNPL debt impact your credit report?
Not long ago, Buy Now Pay Later (BNPL) platforms felt like a budgeting loophole. Pay in four. No interest. No credit checks. For...
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