4+ hour, 18+ min ago (435+ words) However, new data from Juniper Research suggests the sector is not only surviving but entering a period of aggressive expansion, with the modern card issuing market projected to surge from $1.8billion in 2025 to over $4.2billion by 2030. Speaking to The Fintech Times, Jawad Jahan, research analyst at Juniper Research, explained that the definition of a "card" is undergoing a fundamental shift. The physical piece of plastic is taking a backseat to API-driven, digital-first infrastructure that allows brands, fintechs, and non-financial platforms to deploy payment products instantly. "We are definitely seeing that in the B2B sector," Jahan said, adding that commercial ticket sizes offer issuers significantly higher interchange revenue opportunities compared to consumer spend. This shift towards tokenised, programmable payments allows businesses to manage expenses with granular precision, a capability that traditional corporate cards struggled to offer. Perhaps the most counterintuitive driver of card growth…...

4+ hour, 48+ min ago (502+ words) Start with the easiest credit product Getting a credit card is usually the simplest way to begin your credit history. If banks reject your application for a regular card, ask for a secured credit card backed by a fixed deposit. Many banks offer these with minimal paperwork, and they function just like normal cards. As long as you use the card sensibly and pay on time, your credit record starts building immediately. Use your first card lightly, not aggressively Once you get your card, resist the urge to use the entire limit. A good rule is to stay under 20-30 per cent of your limit every month. So if your limit is Rs 25,000, keep monthly card spends under Rs 7,500. Credit bureaus view high utilisation as stress, especially when you're new to credit. Keep usage modest and predictable. Never miss even one…...

19+ hour, 23+ min ago (493+ words) Americans currently owe $1.21 trillion on their credit cards, according to CNBC, so it's incredibly important that you learn how to use them correctly. Whether you're looking to earn rewards, avoid sneaky fees or just make your money stretch a little further each month, a few smart moves can make a big difference. Find Out: 9 Low-Effort Ways To Make Passive Income (You Can Start This Week) "When you use credit cards with intent, they can actually save you a lot of money," said Robert Cannon, Financial Advisor at Experity Wealth. Here are the top credit card strategies to help you keep more cash in your pocket and make your plastic work for you, not against you. "Credit cards can be powerful tools for keeping more money in your pocket," said Chris Keane, SVP Direct Lending at Newfi. He added that you…...

22+ hour, 18+ min ago (620+ words) The national average HELOC rate remains under 8%, according to analytics company Curinos. Home equity line of credit interest rates have fallen but holiday cash needs are rising. For many homeowners, a HELOC is the financial cushion they're looking for. Learn how to use a HELOC to pay off debt (and when it makes sense). According to Curinos data, the average weekly HELOC rate is 7.64%. The highest HELOC rate in 2025 occurred in January, and the current rate has fallen nearly a half-point since then. This rate is based on applicants with a minimum credit score of 780 and a maximum combined loan-to-value ratio (CLTV) of 70%. Homeowners have an huge amount of value tied up in their houses " nearly $36 trillion at the end of second quarter of 2025, according to the Federal Reserve. That's the largest amount of home equity on record. With mortgage…...

22+ hour, 19+ min ago (447+ words) [Credit card featuring the American flag design, surrounded by snowflakes and festive elements, set against a textured icy background.][Credit card featuring the American flag design, surrounded by snowflakes and festive elements, set against a textured icy background.] (Note: Thank you for supporting businesses like those presenting a sponsored message below and ordering through the links below, which benefits Gateway Pundit. The post One Way to Outsmart Your Credit Card's Sneaky Interest Trap appeared first on The Gateway Pundit. [Credit card featuring the American flag design, surrounded by snowflakes and festive elements, set against a textured icy background.] In a world of high interest rates, credit cards are playing a long game you might not see coming. That "sneaky interest trap? It's the 20-30% APR lurking behind your rewards points and cashback perks'silently compounding on unpaid balances, turning a $5,000 holiday splurge…...

1+ day, 4+ hour ago (328+ words) LAHORE " United Bank Limited (UBL) has issued Schedule of Charges for the period of January-June 2026, featuring annual and issuance fees of debit cards of all categories. The bank issues the Schedule of Charges biannually, revising various fees and charges for the customers. UBL and other commercial banks charge annual fees on debit and credit cards to ensure provision of uninterrupted card services to the customers and meet the operational cost. The bank offers a range of innovative and exciting cards that are not only powered by the security of chip but also enable the customers to personalise them any way they want. Under the Priority Banking Category, the UBL Visa Infinite Debit Card now carries an issuance and annual fee of Rs45,000, while the UBL Signature Master Debit Card is priced at Rs25,000 for both issuance and annual renewal. Replacement charges for…...

1+ day, 7+ hour ago (1051+ words) Paying by Card: Easy but Risky Using card payments (credit or debit) is now a normal part of almost every business like restaurants, clinics, shops, and service centres. It's easy for customers, but it has created a growing issue for businesses: chargebacks. A chargeback happens when a customer asks their bank to take money back, claiming things like: 1. "I didn't get the service." 2. "The amount charged was wrong." 3. "I didn't agree to this payment." Chargebacks were created to protect honest customers from fraud. But today, many customers use this system unfairly to get free service or force a refund, which causes real money problems and a lot of extra work for your staff. The Problem: Customer Takes Service, Then Asks for Money Back This is becoming very common. A customer comes in, gets the full service (like a haircut or…...

1+ day, 8+ hour ago (95+ words) The United States has paid record interest on the national debt. We are talking about $104.4 billion in interest. This amount was the highest monthly payment in the country's history. Experts assess the situation as alarming. Bloomberg analysts note that the payment demonstrates a serious strain on the US fiscal system. In their opinion, without lowering interest rates or restructuring the debt trajectory, the country's financial problems will continue to grow. The record payment was a reflection of the growing burden of servicing the US government debt, which continues to increase. #USA #government debt #payments...

1+ day, 10+ hour ago (603+ words) Women entrepreneurs in India face significant credit barriers, with many businesses citing credit shortfall as a major impediment. Initial findings from a study of fintechs highlight the need for redesigned credit products, moving beyond traditional scoring to alternative data and flexible repayment options....

1+ day, 13+ hour ago (423+ words) December in Lagos is about to get louder, brighter, and even more unforgettable, and VBank wants YOU outside for all the fun. Your favourite digital bank has officially taken the lead as headline sponsor of the Bvndle Rewards Festival, happening December 8th9th, and they're doing something massive: VBank is giving customers FREE access to the entire two-day experience by simply creating a VTag in the VBank app. Forget everything you thought you knew about banking. VBank is making it clear: you're valued, you're appreciated, and this December, you deserve to celebrate. This festival is their big "thank you" for rocking with them. So, What's a VTag? It's your personalised, digital banking handle that gives your VBank profile a unique identity. It also happens to be your golden ticket to the biggest loyalty and lifestyle event in Nigeria. What's Waiting for You…...