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.
Banks are judging you on more than your credit score.
That’s the part most people miss.
You can have a decent FICO score, low utilization, and no late payments, and sti...
A credit card company escalations supervisor shared a rare behind-the-scenes look at how customer service really works.
And the biggest lesson is simple:
The person on ...
Applying for new credit cards can feel exciting.
You get the approval.
You get the sign-up bonus.
You get more available credit.
You get the travel perks.
You feel like you ...
Most people want excellent credit.
But they never stop to ask a simple question:
“What does average actually look like?”
Because once you know the average, you can sta...
I have received a ton of credit limit increases across my personal credit cards.
And almost all of them had one thing in common:
I manually requested them.
If I had ju...
People ask this all the time:
“How many credit cards should I have?”
And the honest answer is:
It depends.
Not everyone should have the same number of cards. Some peo...
Navy Federal is one of the most talked-about credit unions in the credit card world.
And for good reason.
People chase Navy Federal because of the high-limit credit car...
Most people think credit cards only help your score if you pay them on time.
That is true.
But it is not the full story.
How you use your credit cards can make a huge ...
A lot of people think a good credit score should be enough to get approved.
It is not.
You can have a strong FICO score, no late payments, and a clean-looking report, a...
Three credit card company employees answered dozens of questions about approvals, credit limits, disputes, fees, chargebacks, and customer service.
And some of their ans...
Getting sued by Discover over unpaid credit card debt can feel like your whole life just got flipped upside down.
One person said they were sued for about $2,000 right b...
According to the FTC, there are certain phrases and instructions that should make you stop immediately.
Because scammers do not just lie.
They pressure you.
They isola...