Buy now pay later hit $135 billion in US transactions in 2023. Embedded finance, neobank credit cards, and a shifting regulatory environment are rewriting the rules of consumer credit. Here is what the fintech shift means for your wallet in 2026.
From fraud detection to personalized credit limits, artificial intelligence is transforming how banks issue, manage, and market credit. JPMorgan has 400 active AI deployments. Visa's models analyze 500 data points per transaction in 100 milliseconds. Here is what it means for American cardholders.
Afterpay, Klarna, and Affirm have made significant inroads with Canadian shoppers. They feel free. The actual comparison to credit cards is more complicated.
Since October 2022, Canadian merchants can legally add a surcharge of up to 2.4% on Visa and Mastercard transactions. Most have not done it. Some have.
The Bank of Canada cut rates several times in 2024 and 2025. Your credit card interest rate has not moved. Here is why, and what to do about the gap.
Canadians seem to be turning things around in terms of debt management. In the past, we noticed a worldwide trend of overspending and many credit card holders were forced to make difficult financial decisions in order to dig themselves out of that credit hole. Today, according the TransUnion's credit monitoring reports, this is gradually changing.
Costco never fails to deliver top value for your dollar and this partnership card is no exception. The Capital One Platinum MasterCard offers great value with no annual fee. This reward card offers no limit on cash back rewards – rare among such programs – with 0.5% return on the first $3000 and 1% thereafter. There are also bonus cash back offers such as 3% cash back at restaurants and 2% on
Costco has shared surprising news regarding their long standing partnership with American Express. In an unexpected move, Costco has announced that they will stop accepting all American Express cards as a source of payment at their Canadian stores, effective December 31, 2014.
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