If you’re like most Americans, you love your plastic and swiping or tapping through your day. In fact, about 74% of Americans have at least one credit card, according to the Federal Reserve Bank of New York, with the average wallet holding more than three, according to data from Experian®. The national love affair with […] The post 10 Surprising Credit Card Debt Facts appeared first on SoFi.| SoFi
For years, scale dictated strategy: big banks managed credit cards in-house, while smaller players leaned on agent banks and program managers. With cloud-native platforms, modular stacks, and AI automation, these barriers are fading quickly. Issuers of any size can now rethink how they balance control, speed, and capital efficiency to find their own version of success in the credit card space.| insights.flagshipadvisorypartners.com
Are you wondering, “What does a charge-off on my credit report mean?” Learn more about this type of notation and how to handle it.| National Debt Relief
Changing interest rates constantly impact your personal finances. Learn everything about interest rates to manage your finances effectively.| Consumer Credit
Changing interest rates constantly impact your personal finances. Learn everything about interest rates to manage your finances effectively.| Consumer Credit
In August 2025, the Dealertrack Credit Availability Index signaled a modest tightening in auto credit conditions after several months of improvement. The All-Loans Index edged down to 97.8 from 98.0 in July, indicating that while credit remains broadly accessible, lenders showed slightly more caution compared to the prior month. Despite this, credit access remains significantly … Continued The post Auto Credit Conditions Tighten Slightly in August as Approval Rate Marks 2025 Peak appeared f...| Market Insights - Cox Automotive Inc.
Key Takeaways Focus on essential needs like food, housing, and utilities while reducing unnecessary purchases. Establish a structured budget to prioritize needs vs wants and stick to it. Consider community resources and government assistance that provide help with food, housing, ... Read More »| Consumer Credit
Gather all your financial information. Create a budget, prioritize your debts, start an emergency fund, & speak to a certified credit counselor for a plan.| Consumer Credit
By John Becker How the New Credit Scoring Model Could Affect Your Future Financing If you’ve ever applied for a mortgage, you know your credit score plays| The Family Mortgage Team at LeaderOne
The payment company's listing comes amid market and political volatility, but the Swedish firm has its strong recent financial performance and distribution deals with JPMorgan Chase and Walmart on its side.| American Banker
In July 2025, the Dealertrack Credit Availability Index continued its upward trend, reflecting a third consecutive month of improved credit access. The All-Loans Index rose to 98.1, up from 97.1 in June, marking a 1.0-point increase month over month. This extends the broader run of loosening credit conditions that began in late summer 2024. The … Continued The post Auto Credit Access Climbs for Third Straight Month in July, Driven by Higher Approvals and Competitive Rates appeared first on ...| Market Insights - Cox Automotive Inc.
Late payments are more than just an inconvenience; they can create cash flow challenges that significantly impact business operations, growth, and even survival—especially for SMEs, small business owners, and companies facing late payment challenges. In Singapore, where payment terms vary widely across industries, managing late payment effectively is essential for maintaining working capital. This article […] The post 8 Practical Tips to Manage Late Payment Without Damaging Your Business ...| Invoice Financing Singapore – Solutions For Businesses
IBS Intelligence (IBSi) is the world’s only pure-play Financial Technology focused research, advisory, and fintech news analysis firm, with a 30-year track record and clients globally. We take pride in covering 400+ technology vendors globally – the largest by any analyst firm in this space.| IBS Intelligence
Wondering if it’s smart to apply for more than one credit card? Learn how multiple credit card applications can impact your credit report and approval chances.| National Debt Relief
The financial sector in the U.S. economy is deeply interconnected. In our previous post, we showed that incorporating information about this network of financial claims leads to a substantial reassessment of which financial sectors are ultimately financing the lending to the real sector as a whole (households plus nonfinancial firms). In this post, we delve deeper into the differences between the composition of lending to households and nonfinancial firms in terms of direct lending as well as...| Liberty Street Economics
Long-run trends in increased access to credit are thought to improve real activity. However, “rapid” credit expansions do not always end well and have been shown in the academic literature to predict adverse real outcomes such as lower GDP growth and an increased likelihood of crises. Given these financial stability considerations associated with rapid credit expansions, being able to distinguish in real time “good booms” from “bad booms” is of crucial interest for policymakers. W...| Liberty Street Economics
Learn how to refinance a mortgage with bad credit and tackle credit card debt. Get expert-backed steps from Associates Home Loan to refinance today.| Associates Home Loan of Florida, Inc.
College students have a lot on their plate already, including the need to study to get good grades, participating in any number of on-campus activities and potentially working part-time to have some spending money. That said, college students should also focus on their financial future, including steps they can take to build credit before they […] The post 6 Ways to Help Your Child Build Credit During College appeared first on Good Financial Cents®.| Good Financial Cents®
Many retailers offer buy now, pay later programs to encourage spending. Understand the risks, including how your BNPL data could affect your credit score.| MoneySense
A few weeks ago, Kevin Drum wrote a blog post that expressed skepticism about "America’s housing crisis." He got quite a bit of pushback against that, so he has followed up with a new post, doubling down on his skepticism.| Idiosyncratic Whisk
Credit is a mysterious subject with many variables. Implement strategies to build credit for young adults and be proactive in your consumer choices.| www.everchangeproductions.co
One criticism of overdraft credit is that the fees seem borne disproportionately by low-income, Black, and Hispanic households. To investigate this concern, we surveyed around 1,000 households about their overdraft activity. Like critics, we find that these groups do tend to overdraft more often. However, when we control for respondents’ credit scores along with their socioeconomic characteristics, we discover that only their credit score predicts overdraft activity. While it’s not altog...| Liberty Street Economics
You’ve submitted your initial mortgage application, completed the necessary paperwork, and even had your home appraised. Now, you find yourself at the crucial stage of the loan process – underwriting. This is where the underwriter, acting as a gatekeeper for the lender, meticulously assesses your financial details to determine the risk of financing your home. […]| First Integrity Team of Supreme Lending
If you're looking for the best credit cards for 18-year-olds, check out our list of cards built to help young people establish good money habits early.| My Millennial Guide
Elaine writes: It’s a new year and time for a fresh start in getting your important farm details in order. Alyssa Brown, CPA, from Olds, Alta., is part of Ensuring the farm is financially organized could be a key to a successful and sustainable operation.| Grainews
Upbound Group, owner of Rent-A-Center and Acima, has completed its purchase of Brigit. The deal, finalized Friday (Jan. 31), adds Brigit’s financial| PYMNTS.com
The Money Statistics for November 2024 highlight how UK households are struggling to balance budgets with both incomes and expenditures rising.| The Money Charity
Navigate the intricate world of debits and credits in accounting with confidence. Learn the essentials of double-entry bookkeeping and statement.| HRSS CPA
The Money Statistics for October 2024 highlight how UK households are taking on more debts, while both spending less and saving less.| The Money Charity
The Money Statistics for September 2024 highlight how many UK households are facing stark spending choices between heating or eating.| The Money Charity
LOS ANGELES, December 14, 2016 /PRNewswire/ — Women-Owned Businesses Are Feeling More Restricted by Economic Environment Demand for capital hit a four-year high for small businesses (<$5M in revenue) according to the fourth quarter results of the Private Capital Access (PCA) Index report by Dun & Bradstreet and Pepperdine Graziadio School of Business and Management. Demand for capital […]| Dun & Bradstreet
LOS ANGELES, September 28, 2016 /BUSINESS WIRE/ -- Although businesses have reported steady increases in access to credit since 2012 and an increase in demand for credit compared to the same time last year, small businesses are still scrambling to secure working capital, according to the third quarter 2016 Private Capital Access| Dun & Bradstreet
How can the way you use your card affect your credit score? Learn about credit utilization, how it affects your credit score, and how to manage it.| SoFi
Businesses require a lot of things, including credit. Check out our list of the best business credit cards to see how you can maximize your credit to succeed.| My Millennial Guide
Are you a college student eager to take control of your financial destiny? Dive into our comprehensive guide on building credit during your college years. Discover the strategies that not only bolster your credit score but also set you up for financial success. The post Proven Ways to Build Credit as a College Student appeared first on Rent Plus.| Rent Plus
Access to auto credit declined slightly in June as credit tightened across all channels and all lender types, according to the Dealertrack Credit Availability Index.| Cox Automotive Inc.
Consider two examples of what Dan Davies calls unaccountability sinks. One is a privatised water utility and the other is a French-based provider of IT services to the public sector. Like many companies, Thames Water and Atos reaped returns for investors in the years when the UK political consensus favoured privatisation and outsourcing of public sector services.| Risky Finance
The Money Statistics for June 2024 highlight how some positive signs for the UK's financial bigger picture are not yet impacting individuals or households.| The Money Charity
Your credit score is built around your credit report, which tells prospective lenders and others about your credit history and whether you […] The post Credit Checks and How They Impact Your Score appeared first on AimFinance.| AimFinance
Struggling with debt can significantly impact your financial well-being, especially if your credit score suffers. Fixing credit scores is important| Canadian Budget
A look at credit card borrowers using 90 percent or more of their credit limit and how likely they are to miss credit card payments.| Liberty Street Economics
Visa and MasterCard recently announced a settlement with US merchants on interchange antitrust litigation. Read our review of the substance and implications of this settlement.| insights.flagshipadvisorypartners.com
It’s common for people with bad credit to get turned away when trying to buy a cell phone and set up wireless service. Most phone carriers still check your credit. However, bad credit does not necessarily mean going without cellular service or a new iPhone. Key Points Pro tip: T-Mobile used to offer a “No […] The post How to Get Approved for a Cell Phone with Bad Credit appeared first on Credit Summit.| Credit Summit
Having a bad credit score comes with all sorts of challenges, but the main ones are related to your ability to borrow […] The post How to Go from a Bad to Fair Credit Score appeared first on AimFinance.| AimFinance
When you have errors on your credit report, it can lead to being denied for loans, credit cards and other related credit […] The post How to Fix Errors on Your Credit Report appeared first on AimFinance.| AimFinance
In this post, the authors revisit their analysis on credit cards and examine which borrowers are struggling with their auto loan payments.| Liberty Street Economics
