Credit, Banking
& Funding
Research.
Behind-the-scenes approval data, lender behavior, credit changes, and practical funding strategies.
Get the latest research.
Join 40,000+ readers getting my latest research.
Free to join. Unsubscribe anytime.
Latest Research
New investigations, approval datapoints, news, and practical guides.
I’ve been flooded with messages about the Capital One and Discover merger.
Screenshots.
Emails.
Panic DMs.
“Cal, is this good?”
“Is this bad?”
“Do I need to switch banks?”
“...
This one caught everyone off guard.
A long-time community member named Joe sent me an email with the subject line:
“URGENT NOTICE: Closure of Your Mesa Homeowners Card ...
Uber stopped accepting Discover cards inside the app for many U.S. users.
And that is a much bigger story than people realize.
Because this is not just about one Disc...
Banks are tightening parts of the financial system in 2026.
And that could mean more normal transactions getting flagged than before.
Imagine opening your banking app a...
American Express is building for a world where AI can help make purchases on your credit card.
That sounds convenient on the surface.
But it also raises a serious quest...
American Express has officially launched the Graphite Business Cash Unlimited Card, and on the surface, it looks simple.
Unlimited 2% cash back.
No rewards cap.
A big ...
Capital One is quietly setting the stage for a major card network shift.
And if you travel internationally, this is not something I would ignore.
Capital One’s official...
Credit is moving fast right now.
You blink, refresh the page, and suddenly there is another rule, bill, proposal, or agency change that could affect approvals, limits, i...
Capital One is slowly making Discover feel less like its own company and more like another part of the Capital One machine.
And for a lot of longtime Discover customers,...
The American Express Gold Card just got a major update.
And for the first time in a while, it is starting to look more like a travel card than just a food card.
The big...
Visa just announced a partnership with OpenAI that could eventually allow AI agents to make purchases using your credit card.
And honestly, I do not think enough people ...
Capital One is officially starting to make real changes to Discover cards.
And honestly, some of the updates are better than I expected.
But some of them are annoying.
...