Should I Pay Student Loans With a Credit Card?
Putting a student loan on a credit card trades income-driven payments, forgiveness, and death/disability discharge for an unprotected 22%+ balance.
credit card interest rate
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.
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.
The UAE Just Left OPEC — Here’s What Lower Oil Prices Could Actually Mean for Your Debt
The UAE just announced it is leaving OPEC. If it translates to lower oil prices, here is what that actually means for your gas bill, your inflation expectations, and eventually your credit card rate — and the one move to make if relief arrives.
Consumer Confidence Just Hit a 48-Year Low — But People Are Still Spending. That Is the Dangerous Part.
Consumer confidence just hit its lowest point since 1978 — but people haven’t stopped spending. After 30 years of seeing this pattern, here’s why that disconnect is so dangerous and what to do before the pullback hits.
The Fed Meets Today and Won’t Cut Rates — Here’s What That Actually Costs You Each Month
The Fed meets April 28 and won’t cut rates. Here’s exactly what that costs you each month on credit cards, car loans, and mortgages — and 4 moves to make before the new Fed chair takes over.
63% of Americans Want Lower Credit Card Rates Over Rewards — Here’s Why They’re Right
A Groundwork Collaborative poll finds 63% of Americans prefer a 10% credit card interest rate cap over keeping rewards programs. With 49% of cardholders carrying balances monthly, the math shows why they’re making the right call.
Trump Calls for 10% Credit Card Rate Cap. Here’s What That Means for You.
President Trump called for a 10% cap on credit card interest rates for one year. Current average rates are 23.79%. But this requires Congressional action, and banks are fighting hard. Don’t wait for political solutions—address your debt now.
