Banking
How on-time payments affect credit score—and why it's not enough
If you’re carrying a credit card balance in 2025, you’re not alone. Americans now hold $1.18 trillion in credit card debt—near record levels....
Student loan repayment backlog leaves 2 million borrowers in limbo
[UNITED STATES] Almost 2 million federal student loan borrowers seeking affordable repayment options are stuck in limbo as their applications await review, according...
What percentage of your income should go towards a mortgage?
[UNITED STATES] For prospective homebuyers, one question looms large: How much house can I afford? The answer hinges on a variety of personal...
Credit card payment security for small businesses
If you run a small business, whether online or in a physical location, accepting credit cards is likely non-negotiable. It’s convenient for customers...
When is a personal loan a smart move for Singapore borrowers?
In a city where cost-of-living pressures collide with rising life expectations, personal loans have quietly become a go-to option for many Singaporeans navigating...
What to do—and not do—with your credit card
A credit card is one of the most common financial tools available, but it’s also one of the most misunderstood. Many people think...
What is a personal loan? How it works and when it makes sense
Some financial gaps demand structure, not improvisation. Whether it’s an unexpected bill, a consolidation play, or a major purchase on the horizon, a...
Cross-border payments are faster—so why do they still feel broken?
It’s 2025, and we still haven’t solved cross-border payments. Sure, it’s easier than it was 10 years ago to buy something online from...
Mortgage delinquencies rising in 2025
Let’s not bury the lead. In May 2025, early-stage mortgage delinquencies saw the steepest month-over-month increase of any debt category. Not credit cards....
The main mortgage lender options—and how they differ
Here’s the thing they don’t tell you when you start looking for a mortgage: the hardest part isn’t the paperwork, the rates, or...
Tips for securing the lowest mortgage rate
Buying a home is exciting—but it’s also one of the largest financial commitments most people make. And the interest rate you lock in...
How credit cards work for retirees in Singapore
For retirees in Singapore, access to credit does not automatically end the moment a regular paycheck stops. But the framework does shift—quietly, and...
Why purpose-driven private credit in ASEAN is more than just yield
Private credit—traditionally viewed as a niche investment strategy for sophisticated global investors—has undergone a quiet but significant transformation in Southeast Asia. No longer...
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