Credit
How rate cuts could trigger a surge in credit card spending
When interest rates go down, borrowing becomes cheaper. That’s the textbook logic. But for credit card users, the real-world effect isn’t always so...
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...
What's the difference between closed-end credit and open-end credit?
Not all credit is created equal. And understanding the difference between closed-end credit and open-end credit is more than financial trivia—it can help...
When to use a line of credit—and when you shouldn’t
A line of credit sounds like a chill financial backup. The bank offers you a flexible borrowing limit, you tap into it when...
How to use your credit card without hitting the limit
Credit cards are designed to offer flexibility and convenience—but that freedom comes with boundaries. At the core of every credit card agreement is...
How to stay under your credit card limit without stress
Credit cards are designed to offer flexibility and convenience—but that freedom comes with boundaries. At the core of every credit card agreement is...
3 expenses you should never charge to your credit card
Credit cards are convenient. They’re widely accepted, offer cashback or rewards, and can even help build a credit score when used responsibly. But...
How to manage credit card debt in Singapore
Credit cards offer convenience and cashback—but also carry some of the steepest borrowing costs in Singapore’s consumer finance landscape. And unlike a mortgage...
Using credit cards to pay for a wedding: Smart strategy or debt trap?
Weddings have always been symbolic events, full of hope, promise, and joy. But in recent years, they’ve also become high-stakes financial undertakings. As...
Why banks are tightening credit card approvals—and how it affects you
If your latest credit card application was unexpectedly rejected—or you’re being offered lower limits than before—you’re not alone. Major banks in the US,...
Is Buy Now Pay Later helping or hurting your money plan?
At checkout, it’s easy to click "Pay Later." The promise is simple: break up your purchase into smaller payments, usually four, often interest-free....
Subscribe to Our Newsletter
Get our latest updates sent straight to your inbox. Unsubscribe anytime.