This page was originally published in early 2022 and still contains relevant interview quotes from that time. The rest of the article is regularly updated. Key takeaways Secured credit cards are popular credit building tools, but not everyone opens them for the same reasons or uses them in the same…
A few years ago, I made what seemed like an impossible decision: I was going to pay off $300,000 in debt, including student loans and even my mortgage. No lottery winnings. No inheritance as a first generation Filipino-American millennial. The secret? A simple, repeatable one-hour monthly money routine on the…
Key takeaways Credit card fraud is the most common form of identity theft, according to the Federal Trade Commission (FTC). The four major credit card networks — Visa, Mastercard, American Express and Discover — offer $0 liability protection, AI-powered user authentication analysis, EMV chips and card identification numbers (CIDs or…
To the average Americans I interact with daily, the economy feels unpredictable, with job loss, tariffs, inflation and rising costs on everything from milk to housing. I coach people across the country every Sunday — the anxiety is real and pervasive. Instead of panicking, now is the time to focus on…
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While there has been much conversation on not buying from companies with poor diversity, little has been said about investing…
Lifestyle inflation occurs when your expenses increase as you earn more income. It can start subtly—dining at pricier restaurants, upgrading…
Chime, the largest digital bank in America, grew its revenue to $1.7 billion in 2024, an increase of roughly 30%…
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Key takeaways Having good credit helps you get better rates on mortgages, car loans and other debt products, and may affect your ability to rent an apartment or sign up for utilities and other services. To build good credit, you need to use your credit…
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Level 2: Discover the Fastest Way to Pay Off Debt With Rules and Challenges When looking for the fastest way to pay off…
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Apple, FedEx and Oracle all got loans guaranteed by the Small Business Administration. But rules and red tape keep many banks from making…
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The job market has historically been one of the biggest predictors of consumer spending and debt patterns. While the unemployment rate has risen from 3.4 percent last April to 4.2 percent at present, that’s still low, historically speaking. The 3.4 percent reading last spring was the lowest level since 1969.…
Key takeaways Interest rate caps are controlled at the state level by usury laws, but those laws have a long list of exemptions. Credit card companies and banks are often exempt from state usury laws, meaning there are no maximum credit card interest rates at the state level. Due to…
Intel (INTC) and Taiwan Semiconductor (TSM) have agreed to a joint venture, according to reports. The two chip giants will form a joint venture in the U.S. that will leverage Intel’s American foundry and Taiwan Semi’s expertise to produce advanced chips. For its contribution, Taiwan Semi would take a 20…
Tariff worries have been looming for small business owners across the United States, with import taxes promising price increases, shortages and supply chain snarls for business owners who rely on global trade for their equipment, inventory and restaurant ingredients. President Donald Trump announced a slew of tariffs in early April,…
Bankrate’s editorial team is full of Chase Sapphire Preferred® Card fans. And there’s a big new welcome offer for the card that Chase just announced this week that provides a timely example of why this card is consistently a staff favorite. For a limited time, the card offers 100,000 points…
If you’re scrambling to file your taxes before the deadline, you’re not alone. Each year, millions of Americans request a tax extension, which gives you an extra six months to file your return to the IRS. A valid tax extension moves your filing due date from April 15 to October…
Image by Getty Images; Illustration by Bankrate After years of high auto theft rates, the latest report from the National Insurance Crime Bureau (NICB) shows a surprising turn of events — vehicle theft rates dropped by 17 percent in 2024. This decrease finally puts car theft rates back near pre-pandemic levels.…
Key takeaways Zero percent APR cards generally offer promotional periods between 12 and 21 months, during which no interest is charged on your qualifying balance. Many consumers use 0 percent APR cards to save on interest, pay off debt more quickly or catch up on their savings. Zero…
Key takeaways The Citi Strata Premier℠ Card offers rewards in popular travel and everyday spending categories. This card also offers an annual $100 hotel discount on a single hotel stay of $500 or more booked through Citi Travel each year, which can make up for the card’s $95 annual fee.…
Photography by Getty Images; Illustration by Bankrate There are many reasons married couples may want to file their taxes jointly: a larger standard deduction, eligibility for more tax credits, and higher income thresholds to qualify for various tax benefits are just some examples. But in some cases, it can make…
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