What Synchrony’s 10-Q Really Shows About Your Late Fees
Synchrony’s Q2 2026 10-Q shows late-fee revenue and delinquencies fell from a year ago – even with the CFPB’s $8 cap gone. Here’s what the filing says.
Credit Card Debt
What Synchrony Just Quietly Told the SEC About Your Credit Card
Synchrony Financial disclosed to investors that the CFPB’s $8 credit card late fee cap was vacated in April 2025 — then collected $5.4 billion in interest and fees from 68.3 million cardholders in Q2 2026. Here is what their SEC filing says about what you pay.
Iran Ceasefire Extended but Gas Prices Still Rising — The Credit Card Trap Is Getting Worse (April 2026)
The Iran ceasefire was extended but the naval blockade stays, oil is above $100, and gas prices are not coming down. Every month you carry the extra cost on credit cards at 24% APR, the hole gets deeper. Here is what to do now.
Private Credit Funds Now Hold $350 Billion of Your Debt — Why Collection Is About to Get Worse
Private credit firms now hold $350 billion in consumer debt. When their investors demand returns, collection gets more aggressive on your loans and credit cards. Your FDCPA rights do not change, but you may need to enforce them.
The Housing Trap for People Over 50: Why Your Home Equity Cannot Save You From Debt
Homeownership dropped 8 to 10 percent across all age groups since 2000. People over 50 face a three-way trap: cannot sell, cannot refinance, cannot tap equity without risk. Never convert unsecured credit card debt into secured HELOC debt against your home.
Goldman Just Released Its 2026 Inflation Playbook for Rich Clients — Here’s What It Means for Your Credit Card Balance
Goldman’s 2026 inflation playbook was written for rich clients. Here’s what the same data means for your credit card balance and minimum payments.
D.R. Horton’s Profit Just Dropped — If You Were Counting on Home Equity to Escape Debt, Read This
D.R. Horton’s profit just dropped 13%. If your debt plan involves home equity, a HELOC, or selling the house, the math is shifting under you.
Synchrony Just Posted a Profit Surge — Here’s What Your Store Credit Card Statement Isn’t Telling You
Synchrony just posted $805M in profit. If you have a store credit card with a promotional balance, the deferred interest trap is about to spring.
Kevin Warsh Just Said ‘Inflation Is a Choice’ — Here’s What That Means for Every Dollar You Owe
Kevin Warsh just told the Senate he’ll keep rates high. Here’s what that means for your credit card APR, HELOC, and adjustable mortgage — and what to do this week.
Mom (or Dad) Died With Credit Card Debt. You Probably Don’t Owe It — Here’s Exactly Why
If your parent died with credit card debt, you almost certainly don’t owe it. Here’s exactly who is liable, who isn’t, and what to say when collectors call.
