creditcardfacts
We all know how convenient it is to swipe our credit cards for everyday purchases. In fact, as of 2022, 82% of U.S. adults had a credit card, making it the most common consumer lending product. In addition, according to a Forbes Advisor survey from December 2023, less than 10% of Americans prefer to pay with cash. With 53% of consumers using physical or virtual debit cards, and 37% using physical or virtual credit cards, debit cards and credit cards are the most common payment methods. There is, however, a complex world of fees associated with credit card processing behind the seamless experie...
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During a much-needed break from work, I struck up a conversation with a colleague. It started out as your typical workplace conversation, but I could sense that something was weighing on her mind. So, I asked her what was going on. It turns out that while she was reviewing her bills, she spotted a rather distressing fact about her credit card. Like so many of us, she assumed that whenever you use your credit card to make a purchase, interest doesn’t kick in until 30 days later. Nope. The credit card determines when the interest starts. So, for her and using a Chase credit card, it was 21 days....
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