Credit
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....
How much does the average American spend on their credit cards?
Credit card debt has become an increasingly significant financial burden for many Americans. As inflation, rising interest rates, and economic uncertainty continue to...
The pros and cons of paying rent and bills with a credit card
The convenience of credit cards has extended to various aspects of our financial lives, including paying rent and bills. While this option offers...
Should you get a credit card? Here's how to decide
Credit cards are often seen as a rite of passage into adulthood. But for many Singaporeans, the decision to get one is wrapped...
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How childhood neighborhood affects credit score
You probably think of your credit score as something you earn. Something that reflects your payment history, your debt levels, your reliability as...
How to get a lower interest rate on your credit card debt
High-interest credit card debt has a way of turning minor purchases into long-term regrets. Many cardholders pay far more than the price tag...
How cashback credit cards work—and who they really benefit
Credit card companies have built a multibillion-dollar industry on two core ideas: convenience and reward. The cashback incentive is one of the most...
What every student should know before getting a credit card
For many college students, getting a credit card is a milestone that signals independence. It’s a financial tool, yes—but also a rite of...
Why on-time payments alone won’t fix your credit score
You’ve followed the advice: paid your bills on time, never missed a due date, and stayed out of default. So why isn’t your...
Federal judge overturns Biden-era rule on medical debt and credit reports
In 2022, the Biden administration took a decisive step to address a long-standing financial inequity: the inclusion of medical debt in consumer credit...
Why you shouldn’t use cash for these 6 expenses
Using cash seems straightforward. It’s easy to track, you can’t overspend what you don’t have, and for many people, it reinforces financial discipline....
Why credit card debt often fills the gaps in social protection
Social insurance is meant to protect us. It’s the safety net we expect to catch us when a job is lost, an illness...
Why living without a credit card might be the smartest financial move
It’s easy to assume everyone needs a credit card. After all, they’re everywhere—in your wallet, in your phone, in your online checkout flow....
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